OCWEN FINANCIAL CORPORATION
Consumer Complaints
There are over 28887 complaints on file for OCWEN FINANCIAL CORPORATION. Dated between 2019-12-16 and 2011-12-07.
Complaints Page 136
2017-11-14
Heathrow, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-14
Alpha, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-14
Wonder Lake, IL
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: Ocwen Loan Servicing on behalf XXXX XXXX XXXX Successor Trustee to XXXX XXXX XXXX XXXX Successor Trustee to XXXX XXXX as Trustee under the Pooling and Servicing Agreement Dated as of XXXX XXXX, XXXX XXXX XXXX XXXX. Foreclosure XXXX CH XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, IL.
Property : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Allegations : Mortgage Fraud, Criminal Tampering with the Court File, Taking without Just Compensation 5th Amendment of the US. Constitution, violation of the 3rd Amendment of the US Constitution ; insurance fraud, and taking of my property in order to avoid XXXX claims on alleged debt that was admitted unsecured in the XXXX XXXX in the US Bankruptcy Court, XXXX XXXX of Washington. 3 fraudulent assignments of mortgage within 10 years, the most recent was entered into Chapter XXXX bankruptcy XXXX XXXX, US Bankruptcy Court XXXX XXXX of Illinois.
STATEMENT OF FACTS 1. On XXXX/XXXX/XXXX, XXXX was compelled to purchase this property, which was not built in compliance with state and federal laws, and building codes. The construction was approved by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Enforcement Officer and Village Engineer, who was not licensed to practice engineering in the State of Illinois - and where the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were being sued by XXXX XXXX [ Another builder ] for Racketeering. This property was issued a fraudulent XXXX of XXXX.
2.The property borders federal wetlands and is sinking. the wetlands are breaching and destroying the XXXX XXXX XXXX Subdivision, including streets, other homes, and common areas, in addition to my property. Both Ocwen and my structural engineers agree that the property has severe latent structural defects, and is uninsurable. Sinkholes are developing and are posing hazards to the health and safety of the residents in the subdivision.
3.On XXXX XXXX, XXXX, an Amended Complaint for Foreclosure was filed, for plaintiff " XXXX XXXX XXXX '' - which is not a legally cognizable entity. The complaint was never dismissed or refiled. In XXXX, XXXX XXXX XXXX " substituted '' the plaintiff that does not exist for a plaintiff " XXXX XXXX XXXX '' which is a Trust that entered an agreement in the XXXX XXXX, [ XXXX XXXX XXXX Washington ] and accepted {$200000.00} as a general unsecured claim.
4. On XXXX XXXX, XXXX, I discovered that my mortgage had been released XXXX/XXXX/XXXX.
A title search performed by XXXX XXXX confirmed that no valid morgtage has existed on my property since XXXX/XXXX/XXXX.
5.The XXXX XXXX XXXX XXXX XXXX Chief Appraiser admitted my property is " uninhabitable and unmarketable, '' with a fair market value of {$25000.00}. ( As opposed to {$350000.00} as " sold '' at the judicial foreclosure sale. ) This admission occurred XXXX XXXX.
XXXX XXXX, the XXXX XXXX XXXX XXXX changed the designation of my case from " residential '' to " non residential foreclosure. Under Illinois law, this designation permitted Ocwen to evict me from my home, since XXXX, without waiting for a judgment of foreclosure to occur. Two trials that have occurred are a sham. In " Judgments '' entered after two trials, both refer to my property as residential. This inconsistency can be viewed as the Court acknowledged the non-residential designation in the transcript at the start of the first trial. The XXXX judicial circuit court had already decided to give my property to the alleged plaintiff before the first trial began.
7.I have reported the soil pollution and the breaching federal wetlands to the Illinois EPA in XXXX and again in XXXX. This property subjects Ocwen/Banks to liability under XXXX.
8.I have reported to the Illinois Attorney General in XXXX and XXXX, and the New York Attorney General twice, the Federal Reserve XXXX the Office of the Comptroller of Currency, and this CPFB twice before. The end result is that tomorrow the XXXX XXXX XXXX Court will confirm the sale of this hazardous property with latent structural defects " as is '' without disclosures. This is unconscionable.
9.I believe Ocwen intends to commit insurance fraud with this hazardous property, because in a letter dated XXXX XXXX Ocwen alleges XXXX Thank you for providing the requested evidence of insurance coverage. '' I never insured the property after XXXX, because the latent structural defects render the property uninsurable. '' 10.The Escrow Statements are not accurate, or consistent with what Ocwen testified under oath to in the second trial for XXXX ch XXXX.
11.Further, in order to stop the fraudulent sale, I declared Chapter XXXX bankruptcy XXXX in the XXXX XXXX XXXX XXXX XXXX District of Illinois. XXXX XXXX of XXXX XXXX contacted me via phone, in order to settle all claims I had against Ocwen. I retained attorney XXXX XXXX XXXX for settlement purposes only, and voluntarily dismissed the Chapter XXXX. After filing a motion to substitute for XXXX XXXX XXXX, XXXX XXXX withdrew the motion.
12.I later learned through recorded conversations with Ocwen, that a trial modification offer had been pre-approved, but was never presented to my attorney by XXXX or to me. My attorney XXXX XXXX sent a settlement demand to Ocwen, to settle all claims and to leave the home within 120 days for {$150000.00}, but XXXX XXXX of XXXX XXXX XXXX presented the demand as a " short sale '' offer, which was declined by Ocwen. I gave XXXX XXXX a settlement demand on XXXX XXXX, XXXX, which she alleged to have presented to Ocwen, but Ocwen has no record after the {$150000.00}.
13.Further, XXXX and Ocwen represented to me the the new foreclosure sale date was postponed to XXXX XXXX, XXXX. However, the XXXX XXXX XXXX XXXX XXXX " confirmed '' that the sale date was still XXXX XXXX, as evidenced by the computer screen shot that I have included with the evidence. On XXXX XXXX, evidence that the XXXX XXXX XXXX " postponed '' the sale date was in the Court file. Because the sale date was actually XXXX XXXX, XXXX, I was again compelled to declare Chapter XXXX bankruptcy on XXXX XXXX, XXXX.
XXXX schedules list the alleged debt as unsecured, but the Court decided the debt was secured without requiring proof of claim, and despite the fraudulent " assignment of mortgage '' - I have noticed the appeal and the District Court has directed the Banktruptcy Court to send the case directly to the US Supreme Court , where I am preparing to timely file a Writ of Certiorari. The Trustee could not abandon property where the court has been aware of the latent defects and hazards since XXXX. XXXX. ( Same parties, same court - Ocwen bought XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX filed the fraudulent " Corporation Assignment of Mortgage, '' and I reported this to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX indicated she would notify the States Attorney, but the States Attorney has already taken a video statement from me and refused to prosecute mortgage fraud and tampering with the Court files. I filed police report 16.In an envelope postmarked XXXX XXXX, XXXX, I received notice of Codilis Motion to Confirm the Sale, with proof of publication, alleged to have been filed on XXXX XXXX, XXXX. However, the Court file for XXXX contained no such documents on XXXX XXXX, XXXX. I ordered a copy of the complete Volume 12 of the court file on XXXX XXXX, XXXX and picked it up on XXXX XXXX, XXXX. I photographed my copy and the court file together, and the most recent date of the file was XXXX XXXX, XXXX. XXXX ILCS 5/15-1507 ( I ) ( 3 ) requires notice of the publication to be served on all parties, and I was never served this notice. This is evidenced by the fact that no service of notice of publication is evident in the Court file as of XXXX XXXX, XXXX.
18.There 's much more - Ocwen offered XXXX Mortgage Assistance Resources '' via letter dated XXXX XXXX, XXXX, but has repeatedly indicated that I would be contacted by a staff attorney to discuss options. Each time I followed up on the request via phone, Ocwen stated it would be a few more days and to call back if I did n't hear from them. Yesterday, Ocwen told me a staff attorney was not assigned to my case. Today, Ocwen transferred me to the " Ombudsman '' who said they would " review '' whatever documentation I sent to the CPFB. If the XXXX needs more documentation, I have XXXX years worth.
19. A consent judgment for breach of contract and breach of warranty was entered for this property in XXXX, for {$420000.00} in XXXX in XXXX XXXX XXXX Court. This was approved in the Delaware bankruptcy court in the XXXX Homebuilders bankruptcy. Further, this property was the subject of a federal lawsuit involving XXXX XXXX. Whatever information you need, I have it - As added injury, FCRA and TILA - Regulation X / Z issues abound. I recently was denied credit, in part because there no longer exists any record that I have ever owned real estate, contained in my credit report. RESPA notice of the Ocwen purchase of XXXX was sent to an attorney who was no longer representing me.
I will appeal tomorrow 's ruling, if the sale is confirmed, all the way to the US Supreme Court, on the heels of the Bankruptcy appeal.
I spoke with Ocwen 's " Ombudsman '' XXXX XXXX - I now recall an earlier conversation I had with her, without result, during settlement discussions. During my conversations with Ocwen in XXXX, there existed no record of my settlement discussions with Ocwen. The XXXX discussions evidenced that XXXX XXXX presented the offer to Ocwen as a short sale offer, but I now believe that it may have been at the direction of XXXX XXXX, in the Ombudsman, and have attached the emails.
Further, the property taxes have now been fraudulently inflated, and an " Ocwen FSB '' is committed to pay the taxes, despite reporting to the SEC that it " debanked '' in XXXX.
My primary concern is that the Public is protected from the hazards, and that the house is never permitted to be re-sold. This is a taking without just compensation and a violation of my 3rd amendment rights, as the Court has unlawfully placed itself in my house for nine years without my consent.
Although I was entitled to numerous settlements with Ocwen, XXXX, XXXX XXXX XXXX, etc, I received a compensation of about {$400.00} total from the Federal Reserve 's enforcement action against Litton Loan Servicing, and spent approx $ XXXX on attorneys fees, paralegal fees and costs. Please, do something.
Previous CPFB Complaint ( s ) XXXX
Company Response: Closed with explanation
2017-11-14
Rockwell, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Recently I made an inquiry to BBB ( Better Business Bureau ) at the Florida-XXXX Office and is waiting for an reply from them. I have been trying to resolve this matter with the OLS ( Ocwen Loan Servicing, LLC ) for over more than a year now. So that is why I am sending my complaint to your office. I believe this is a matter of Predatory Loan ( lending ). Wherein I " believe my parents whom both have now XXXX since XX/XX/XXXX and XX/XX/XXXX were victims of predatory lending.
In summary, as the Estate Representative I have discovered that the loan my parents were given shows signs of predatory lending. While there has been payments made against the loan since it conception on XX/XX/XXXX ; it is my belief that my parents at the time of their XXXX have already paid more than {$60000.00}. This is calculation base on 10 years of payments and pay history reports received from the company, and with respect to the way the initial interest Note was written. My parent have a loan in which the amount of the loan {$88000.00} is twice the amount of the value of the property as shown by BPO Appraisal of ( {$42000.00} ) that I obtained from Ocwen on XX/XX/XXXX. I have personally obtained loans from Mortgage lenders in the past, and its no way I would have gotten them under these circumstances. I ask that your Office investigate this matter and request to Ocwen Loan Servicing, LLC that they write this loan off as bad transaction in turns of corrupt immoral procedures, and in all reality inappropriate use of HUD government guarantee funding.
The following documents and concerns are in questions : 1. Copy of Appraised Value of property ( reference above ) as recorded on file with XXXX County Circuit Court XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX Virginia XXXX.
2. Copy of Property Report/BPO obtained by OCWEN LOAN SERVICING, LLC dated XX/XX/XXXX ( AFTER MY INQUIRY ABOUT THE LOAN AMOUNT IN COMPARSION TO THE TRUE VALUE OF THE PROPERTY ) at {$42000.00} 3. The INTIAL INTEREST NOTE as indicated on the loan in the amount of {$88000.00} AGAINST THE RECORDED APPRAISED VALUE {$42000.00} OF THE PROPERTY.
4. FACT, there was no appraisal preformed at the conception of the loan originally made by XXXX XXXX ( original loan producer ). Otherwise the loan with these conditions ( monetary value of property far less that the requested monetary amount ), could not have been render as morally Standard Procedure. In other words, it does n't make good business sense. NOTE : Ocwen purchased this loan from XXXX XXXX without getting an appraiser of the property.
5. After speaking with the XXXX XXXX, Representative for Ocwen Loan Servicing LLC, I faxed some documents and a copy of the Appraisal I had recovered. I questioned him about the loan amount in relations to the actual true value of the property. He told me at the time they did not have copy of any appraisal for the property. It was early XX/XX/XXXX that I received the copy herein showing the date of the appraisal as XX/XX/XXXX.
6. I have also asked for the complete Payment Record from the conception of the loan up to the present. Ocwen has only provided me the pay history from XX/XX/XXXX thru XX/XX/XXXX.
7. Because of the value of the property I asked Ocwen to modify the loan amount to the actual value of the property, but they refused to do so stating, It was not my primary resident. That refusal caused me to look more into, who is Ocwen?
8. My parents were respectively of ages father XXXX and mother XXXX at the time of the loan and being their ages coupled with little income this loan should not have been made.
9. Nonetheless, XXXX XXXX made the bogus loan, then sold the loan to Others, and lastly Ocwen Lending Service ended up with it. I have also researched that these very same companies have been subjects in class action law suits.
10. It frustrating now that we the ( siblings ) did n't know our parents were in a loan of such ; in as much should have not been granted based on their ages, income, and value of the property standing alone as collateral for the loan.
11. I ask that your Office review my request and find Ocwen Lending Service, LLC negligent of acquiring this loan from its predecessor ; that the loan was made not in regards to actually true values, of which the collateral value is far less than the amount rendered.
12. It is clearly a case of fraud and misuse of HUD 's government guarantee funding, ' whereas they just made loans without fully following Federal guidelines.
Sincerely, XXXX XXXX
Company Response: Closed with explanation
2017-11-14
CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Following upon my recent and still open complaint ( # XXXX ) against OCWEN, I am filling a second complaint to now document the predatory business practices and intimidation techniques that OCWEN is pursuing to attempt to foreclose on my home despite the fact that they have no legal right to do so.
Let me start by saying that I have been successful in being granted and agreeing to the trial period for mortgage modifications 2 times over the last several years, have been made predatory lending offers which I could not accept 2 more times, as well as having applied and been denied 3 or 4 additional times. And throughout all this effort spanning 3-4 years, OCWEN consistently sends what can only be intentionally intimidating communications to both threaten and enact initial foreclosure proceedingswhich are in total contradiction to the communication you simultaneously receive from OCWEN through its Customer Relationship Managers, Escalated Case Management Specialists, or Consumer Account Analysts in the Office of the Consumer Ombudsman.
The resulting affect is a profound level of uncertainty and confusion amongst its most vulnerable costumers, an environment in which OCWEN is better able to aggressively pursue its predatory foreclosures. I have repeatedly addressed this with people at all levels at OCWEN over the years, wondering how hard it would be, once a client has entered the Mortgage Modification pathway with them, to stop their very intimidating and misleading foreclosure communications, including robocalls that at times occur 4-5 daily. But the reality I think is that they are nothing more than a huge automated foreclosure mill where actual employees often take a backseat to the automated actions the company takes.
So its within this context that yet another version of this is all playing out again. Despite 1 ) failing to answer the questions that I posed ahead of the deadline and which I need answered to move forward, 2 ) thus far ignoring my request for an extension, and 3 ) in the past, over many years, being very vocal that these deadlines were flexible as needed and that one had only to ask for additional timeOCWEN had nonetheless cranked up their automated foreclosure machine yet again.
I have now received in the past week 1 ) a formal letter ( " Decision on Your Request for Mortgage Assistance '' ) falsely claiming to document that I failed to respond to their offer before the deadline, 2 ) a huge packet to re-apply for their Mortgage Assistance Program as though I have not already done this and a resolution pending, 3 ) an " Initial Due Diligence Letter '' or " Notice of Default '' claiming my account is past due, threatening foreclosure, and attempting to trick me into paying them to bring the account currentwhich amounts to extortion, and finally 4 ) a " Pre-Foreclosure Referral Letter ''.
This final communication however suffers from several misleading claims which I believe are intended to obfuscate and confuse : A ) that " the last full mortgage payment on [ my ] account was XX/XX/XXXX '' ( NOT TRUE as I paid them again on XX/XX/XXXX the {$2500.00} amount that I was instructed to by them which was the same amount I had paid each month of the trial period ), B ) that " the account is paid through XX/XX/XXXX '' ( NOT TRUE as I have in fact paid them 4 additional mortgage payments since then for approximately $ XXXX/month, and totaling approximately $ XXXXfurthermore, this claim would seem to directly contradict their first claim that I made a XX/XX/XXXX payment as well at least ), C ) that the accounting numbers they provide are in fact an accurate financial reflection of my current account status ( NOT TRUE as nowhere in these numbers do they give me credit for the approximately {$10000.00} I have additionally paid them during this same timeas though it never happenedallowing them to now somehow claim that I owe them {$7100.00} to bring my account current, despite my making every payment on time, when in fact the only amount they might be able to legitimately claim I have not paid is the approximately {$300.00} each month that OCWEN chose to lower my monthly payment during this period for the trial modification, amounting to something like {$1200.00} over these 4 months ).
But the insanity of this only becomes fully visible when we recall that 1 ) I only needed this second mortgage modification and went through all of the tr
ouble to get it completed because of OCWEN 's acknowledged error in neglecting payment of my property taxes through the escrow account they maintain on my behalf, putting the property at imminent risk of immediate seizure by the government, 2 ) that I had not requested a lower monthly payment and had indeed stated the opposite that I did NOT need them lowered, receiving one from them irregardless of these facts, and in so doing making it even possible that there would be any discrepancy in the amount of my payments during this period.
To then follow this updespite all of my good faith efforts to help them to correct their mistake and ignoring for the moment their history of predatory treatment of me as a customerby failing to respond to my timely and necessary questions and instead stonewalling me with zero response for 2 straight weeks now and simultaneously pursuing foreclosure, starts to look a lot like entrapment.
Company Response: Closed with explanation
2017-11-14
Kissimmee, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-14
San Gabriel, CA
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: XXXX XXXX is continuing her same old abusive servicing practices she was ordered to Cease and Desist in doing on, XXXX XXXX 2017.
Company Response: Closed with explanation
2017-11-14
MN
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response.
I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-14
Beeville, TX
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-11-13
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Original loan was with XXXX XXXX ( XX/XX/XXXX ) I paid out of escrow homeowners ins., flood ins. and property taxes, In XX/XX/XXXX my mom got really sick and XXXX in XX/XX/XXXX. I had been traveling a lot during this time to Michigan to be with her and I had fallen behind in mortgage payments but always contacted XXXX with promise payments, I had never fell more than 2 months behind in payments. I made a huge error and forgot to pay my XXXX property taxes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was extremely close to my mother.
In XX/XX/XXXX XXXX brought this to my attention, I made a promise payment to them that I would have my XX/XX/XXXX property taxes paid before the end of XX/XX/XXXX they gave me no reason to believe that this would be a problem, I have always followed through with every promise payment during this difficult time. I went to a XXXX bank teller XX/XX/XXXX to paid monies owed for XX/XX/XXXX property taxes. The bank teller directed me to XXXX XXXX a financial service rep. I told her my story and showed her that I had the money to pay my balance owed. After an hour of waiting for her she told me that she could not help me and I had to go see the attorneys, XXXX XXXX XXXX that XXXX was foreclosing on my home, and to go see these attorneys to re-instate my home. I went to XXXX XXXX XXXX that day, I walked into the office and asked the woman behind the glass to help me with my problem, I told her my story and gave her all of my information. I waited 40 minutes only to be told that I must be confused and she does not have my name or loan number in her files. Now I went back to XXXX to speak to the financial rep., to only wait an hour before I was told by her to go back to the attorneys office and they would help me now. so I proceeded to go back to XXXX XXXX XXXX, after I arrived, only to wait another 30 minutes for XXXX XXXX to walk into the office and tell me that they would contact me when the re-instatement figure was ready. I visited that office everyday for the next 2 1/2 weeks, until finally I reicieved an email late evening XX/XX/XXXX that my re-instatement was ready. I immediately paid that bill the next morning. Now the 2nd part of my nightmare begins, XXXX sold my loan to XXXX. I had been making mortgage payments to XXXX XXXX on time every month, I learned my lesson with late property taxes. A couple of months into my new lender, XXXX, I was now told that I have an escrow account of XXXX, and they are now foreclosing on me. After several months of calling XXXX every evening, faxing, e-mailing, overnight certified mail proving to this lender that I do not have a escrow account, and I am current on taxes, ins etc.the problem is resolved, now my loan was sold to Ocwen. So I start to pay Ocwen my mortgage payments on time. I sent my property tax payment out in XX/XX/XXXX when they are due, only for the county to send me back my check and was told that my taxes were already paid. And then I received a foreclosure notice from Ocwen that I owe them XXXX. I sent Ocwen the payment for the property tax, I sent them proof of homeowners ins., flood ins. and explained them in writing that with the tax payment I am current. They would not give me the time of day, the staff with this lender was horrible and would not work with me to even listen what I had to say. I was told to send proof and I did several times. Ocwen would not stop the foreclosure, I had no choice except to hire an attorney, which I did, The XXXX XXXX XXXX. This attorney did nothing except delay the matter and take my money. I was re-assigned a different attorney every time I called to get an update. Now it is XX/XX/XXXX, I filed chapter XXXX bankruptcy in XX/XX/XXXX to save my home. ( my bankruptcy only includes my house, and I am paying 100 % back ) I received my proof of claim, and yes all of the re-instatement fees that I already paid along with property taxes, homeowners ins and all other ridiculous fees I am being charged in my proof of claim. My original amount owed is {$120000.00}. the claim is for {$240000.00}. I have tried to work with this lender on several occasions, only to be talked down to and called a liar by them. I am proud of myself for hanging in there but I am tired, I need help getting these fees removed. Can you help me? I have not attached docs due to so many and so much personal information on them. I am willing to send to the CPFB anything that you will need to prove my case. I have saved everything. Please help, after doing much research this year I believe that I am a victim of the mortgage melt.
Thank you in advance, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-13
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Good day Sir or Madam : First let me say that I am at work and I do not have access to my account or mortgage Number.
I am writing you because I wish to ask you please help my wife and I keep our home. We do not believe our story has been communicated to you correctly. Our attorney XXXX XXXX has tried to help us but we feel he is being pressured by a larger entity.
I want simply to be treated fairly. My wife and I have lived in our residence for 19 years. I am a Veteran of the cold war error. My wife has been teaching for 30 years and is ready to semi retire. We have maintained our property @ XXXX XXXX XXXX in XXXX XXXX and added ( new windows, furnace, Hot water tanks and roof ) We even replaced our entire dining room 2 years ago with our own money due to water damage. We have been unable to cash an XXXX dollar insurance check because the lender refuses to endorse the check.
We are victims of the housing crisis but we are being treated like criminals. We refinanced our home in XXXX. We were told our home was worth XXXX + XXXX dollars. At the time interest rates were high. We excepted a XXXX rate and were told that if we made all payments on time for 2 years we could refinance for a lower rate.
When we attempted to refinance in XXXX we were laughed at by the mortgage company. We had the house re- appraised and found it was only worth XXXX. I went back to XXXX and requested the initial appraisal. I was told they did not have it.
So we were stuck we could not refinance because we were upside down. Owing the then Mortgage company Litton more than what the property was worth.
In XXXX we were hit by the down turn in the economy and I lost XXXX XXXX of my income almost overnight.
I contacted Litton and requested assistance. They in turn had me fill out modification paperwork. We were accepted and made 3 payments of XXXX for the trail modification. But when we received the paperwork for the actual modification the payment ballooned to XXXX monthly. This was not what we had agreed on and I did not sign the modification.
After that we began to use online modification companies and spent approximately XXXX to XXXX XXXX dollars, bowring from our retirement funds. We were told to pay down bills to make our situation look better by the Modification companies.
I really thought we were doing the correct thing. We knew we owed the money and thought these companies were on our side. I no better now. At least 3 times we paid a retainer for their lawyer 's and all three times we were informed that Litton Loan rejected us because we made to much money. The last rejection was in XXXX. After that we heard nothing from Litton loan. No phone calls nothing. We assumed we were in foreclosure being served in XXXX. So we waited to hear something.
In XXXX our loan was purchased by Ocwen and now I find out that XXXX XXXX also owns a part of the note. We hired an attorney ( XXXX XXXX XXXX to hopefully help us get a resolution to this issue. 2 times we filled out modification paperwork and 2 times we received no response. We had meeting after meeting with our attorney. Each time XXXX XXXX would call the bank the lawyer representing Ocwen and each time he was told nothing has been done.
In XXXX we received paperwork that we were being sued by XXXX XXXX. Caught us by surprise. We had no Idea who XXXX XXXX was. There was a slight problem with the paperwork. My son XXXX was mentioned on a number of pages. We immediately called our attorney and ask why this was so. He of course had no idea.
We then received a modification notice from Ocwen. And we were unwilling to sign it. We thought our son would be hurt financially so we refused. But Ocwen sent out a notice that we missed payments and actually charged us for something we never agreed to.
We were offered yet another Modification that no intelligent person would sign. They wanted the balance of the loan + XXXX
Again I never disputed that we owed the money. My issue is that My wife and I are being unjustifiably sued by an entity that after 9 years could not foreclose on us. We in good faith tried to solve the issue. They have stalled and failed to do anything.
Now we are placed in a spot where we owe XXXX for a home that at best is worth XXXX I am not a lawyer, But it was explained to me that NYS statue of limitations gives the bank or mortgage company 6 years to foreclose. remember this started in XXXX. By my count that is more then 6 years.
I 'm not sure you can do anything. We would just want to live our lives out in the home our children grew up in. If there is anything you can do for us we would be grateful.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-13
Fort Worth, TX
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: We requested Ocwen Loan Servicing, LLC ( " Ocwen '' ) to correct a serious error it made when it unilaterally and incorrectly changed the mortgage property address on my monthly Mortgage Account Statements to the address of another property that I already own. Although I complained to the company for over a year, Ocwen failed to correct the error or provide an accurate accounting of my payments on the mortgaged property.
We originally financed the mortgage for a rental property with two units, through XXXX XXXX, XXXX ( " GMAC '' ) on XX/XX/XXXX, in Loan Number XXXX. See Exhibit A. The GMAC Settlement Statement correctly identified our mortgage property as follows on page 1, box G : PROPERTY LOCATION XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, Texas XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, GMAC notified us that it had transferred the servicing of mortgage Account Number XXXX to Ocwen. ( See Exhibit B ). GMAC identified the mortgage property address for the transfer as follows : Property Address XXXX XXXX XXXX.
XXXX XXXX, TX XXXX When Ocwen issued its first Mortgage Account Statement dated XX/XX/XXXX ( Exhibit C-1 ), it correctly identified the mortgage property address at the top of the statement as follows : Property Address XXXX XXXX XXXX.
XXXX XXXX, TX. XXXX Moreover, Ocwen continued to use this property address as the mortgage property location for the next three years, in all of its Mortgage Account Statements. ( See Exhibit C-1 through C-3 ).
Then, beginning XX/XX/XXXX, Ocwen unilaterally, and without explanation, changed the mortgage property address on the Mortgage Account Statement for Account Number XXXX to : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Not only is the XXXX XXXX XXXX address incorrect as shown through Exhibits A, B, and C-1 through C-35, but in issuing a Mortgage Account Statement for that address, Ocwen illegally represented itself as the mortgage servicer for that property, a property that we already owned, free and clear of any mortgage. Ocwen continued this wrongful and illegal action through XX/XX/XXXX, almost a whole year. ( See Exhibits D-1 through D-15 ). Thus, much to our legal detriment, between XX/XX/XXXX and XX/XX/XXXX, Ocwen not only failed to correctly credit our payments with the correct property address, but it also illegally attempted to hold Ocwen out as the mortgage holder on property we already owned and collect payments on property we already owned.
In XX/XX/XXXX, Ocwen again incorrectly changed the mortgage property address on the Mortgage Account Statement. See Exhibit E. This time, Ocwen incorrectly included only half of the duplex ( the mortgaged property ). ( See Exhibit E ). The mortgage property address shown on the XXXX Mortgage Account Statement was : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Again, to be correct, the Mortgage Account Statement should have included XXXX XXXX XXXX, not just XXXX XXXX XXXX.
In summary, despite repeated verbal requests to correct the problem, Ocwen has yet to rectify the Mortgage Account Statements between XX/XX/XXXX and the present, to correctly identify the mortgage property address/location as shown in : 1 ) my original loan from GMAC and 2 ) Ocwen 's own Mortgage Account Statements between XX/XX/XXXX and XX/XX/XXXX. By failing to correct this error, Ocwen has caused us financial harm by failing to properly credit our mortgage account for payments ( principal, interest and escrow ) we made on the mortgage property located at XXXX - XXXX XXXX XXXX, XXXX XXXX, Texas. Ocwen 's error not only exposed us to wrongful foreclosure, but also the possible loss of our investment for payments.
Therefore, after a year or more of unsuccessful attempts to have XXXX rectify this error, we requested the following relief from Ocwen by letter dated XX/XX/XXXX.
1. Immediately issue a letter of correction, including corrected Mortgage Account Statements for Account Number XXXX, for the months of XX/XX/XXXX to the present, that correctly identify the mortgage property address as : XXXX XXXX XXXX XXXX XXXX, TX. XXXX 2. Immediately issue an annual summary statement for the years XX/XX/XXXX and XX/XX/XXXX, showing all payments we have made to Ocwen under Loan Number XXXX, utilizing the correct mortgage property address : XXXX XXXX XXXX XXXX XXXX, TX. XXXX and, 3. State in the letter of correction that Ocwen is neither the servicer of any mortgage nor the title holder or lien holder of property located at XXXX XXXX XXXX, XXXX XXXX, Texas and that any attempts on the part of Ocwen to collect payments for this property were in error.
Because Ocwen has failed to take any action for a year to correct these egregious errors and because we have been advised by our tax accountant to take legal action, we are filing a Complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). We are aware of the many lawsuits that have been filed by States across the nation against Ocwen for similar problems that have resulted in wrongful foreclosure and other serious harm to consumers. We also know that CFPB has filed a lawsuit against Ocwen this year for similar problems.
We are hoping that you will take action to protect us as consumers from this predatory behavior by Ocwen. Thank you for taking the time to consider our complaint.
Company Response: Closed with explanation
2017-11-13
NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: After completing the modification program with ocwen from XXXX to XXXX and continuing to make monthly payments to the present day, ranging from {$1100.00} thru {$1000.00}. Ocwen attempted to foreclose on our property during this process by hiring the XXXX XXXX in NY. The Ombudsman officer at Ocwen sent us a letter in XX/XX/XXXX admitting fault on behalf of his company. While we continue to make our monthly mortgage payment, Ocwen has added a {$3000.00} legal fee to the monthly mortgage statement, and disguised it as a late payment. On top of this, Ocwen has added over {$50000.00} of other fees to our statement principle during this modification process. They can not produce the original note trail or title, to this property. They have also engaged in double tracking. They have also connected us to over sea 's operators in XXXX after we have requested on several occasions for them not to do so.
Company Response: Closed with explanation
2017-11-13
OK
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: For the past several years, we have fought for our home against OCWEN. They would take payments, place them in a side account only to stop accepting payments and send us to foreclosure. Finally, I was advused to take chapter XXXX bankruptcy to save my home. Well, OCWEN once again, did n't report the negative escrow account until many months after confirmation. When they did finally report, the trustee wanted the bankruptcy dismissed. OCWEN has made errors in escrow account and will not correct. I was told to bring negative escrow and all payments up to date and the payment will return to normal and the bankruptcy will be dismissed. That info was courtesy of OCWEN in XXXX call center. Now OCWEN in US is telling me even if I complete the bankruptcy and all payments are caught up, the house is theirs and I will be evicted. I can afford my house. We have equity in the house. We have lived here for 20 years. They clearly want my home. They have destroyed my credit. Everyone I talk to about refinance says " I am sorry, but they are horrible. '' They can not help after what OCWEN has done. What can I do? Who can help? What is the truth? I know I am not alone. I never received a letter about the lawsuit against them or would have joined and lead the way. Please help me save my home of 20 years.
Company Response: Closed with explanation
2017-11-12
San Gabriel, CA
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: Ocwen Loan Servicing has caused me years of extreme harm attempting to embezzle my property to enrich themselves.
( 1 ) I Attached my XX/XX/XXXX drivers license with my signature on it.
( 2 ) After the year XX/XX/XXXX is when I changed my signature the way that it appears on recent documents.
( 3 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification and the schedule A without my signature and initials that Ocwen Loan Servicing sent over to the CFPB responding to my consumer complaint.
( 4 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification with my forged signature on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 5 ) I attached the bogus American Home Mortgage scheduled A with my forged initials on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 6 ) I attached the bogus XXXX with invalid tracking number that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
Ocwen Loan Servicing is running a unorganized crime operation paying its employees high salary 's to become professional pathological liars, training its employees how to harm as many homeowners as possible - embezzlement. Ocwen then uses the money that it embezzles from homeowners to pay lawyers who will turn a blind eye.
Company Response: Closed with explanation
2017-11-12
San Gabriel, CA
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: See my complaint attached. See XXXX XXXX vs. XXXX XXXX Transcript attached. See emails attached. I am waiting for Ocwen Loan Servicing counsel XXXX XXXX to respond to my email providing me with a good a day and time when my FBI forensic signature expert can authenticate the American Home Mortgage Modification with my forged signature. The Schedule A with my forged initials. The void assignment and the Manufactured Note. I have attached a part of the 2010 transcript of robo-witness XXXX XXXX swearing under oath to have all the records with him during the trial. Robo-witness XXXX XXXX changed his stories multiple times recalling things from his memory and remembering things around this day and that day. Having no records of amount owed on the bogus loan. Robo-witness - I do n't know of the exact amount! The Judge - the witness could not lay a foundation. XXXX XXXX - XXXX XXXX XXXX owe more then {$300000.00}? The Judge - He said he do n't know! Robo-witness XXXX XXXX either had all the records with him or his did n't? XXXX XXXX, American Home Mortgage and crooked attorneys committed fraud upon the court to be guaranteed favorable judgment to embezzle my home doing the time I was declared permanently XXXX hospitalized and unable to defend myself. Ocwen Loan Servicing unorganized crime operation and its shady pathological employees who lie through there teeth are attempting to illegally embezzle my home to enrich themselves. Ocwen Loan Servicing is the worst unorganized crime operation of them all. How much more will the American people take?
Company Response: Closed with explanation
2017-11-12
Phila, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-12
Fort Myers, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-11
San Gabriel, CA
Closing on a mortgage
Mortgage: Other type of mortgage
Complaint: Ocwen Loan Servicing and its employee XXXX XXXX are continuing the same abusive servicing practices it was ordered to Cease and Desist. Do to the abusive servicing practices I canceled out the increased none negotiable loan modification with outrageous balloon payment then submitted a application for assistance to avoid the illegal seizer of my home until I can get justice in a court of law. As of today, I still have n't received a response. I have added the Consumer Financial Protection Bureau as a defendant to the lawsuit because they failed to take action against Ocwen Loan Servicing, and because of all the past quiet XXXX dollar settlements in agreement allowing Ocwen to admit no wrong doing which has allowed Ocwen to continue its abusive servicing practices allowing Ocwen to keep committing fraud against me to embezzle my home to enrich themselves while the CFPB shuffles its millions. The Consumer Financial Protection Bureau is not designed to protect homeowners from abusive loan servicing practices it is designed to receive millions in settles in exchange allowing Ocwen to admit no wrong doing when Ocwen makes false promises to clean up its act. The same old story! The same old quiet XXXX dollar settlements! The same old abusive servicing practices! The same old harassment! The same old demons running a muck! The same old family 's out in the streets with nothing left because of Ocwen manufacturing documents to be guaranteed favorable judgments to embezzle homes!
Company Response: Closed with explanation
2017-11-11
Dallas, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with explanation
2017-11-10
SC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: We have owned the residence at XXXX XXXX XXXX since XXXX, when it was built. We have lived there for the past 26 years. Around XXXX of XXXX, we invested our savings of around XXXX in renovating the structure. At the advice of our realtor, we made plans to upgrade the XXXXX XXXX property so that it could be refinanced and turned into a rental property, and a preconstruction appraisal was performed, which yielded a $ XXXX value at completion. In order to finish the renovation, we withdrew our 401 ( K ) and invested that additional money into the house.
In XXXX of XXXX, during the renovation, we were presented an offer from an individual who wanted to purchase the home, and a Lease-Purchase/Occupancy Contract was signed. Following six months of late/non-payment and damage to the house, we were forced to take this individual to court and have him evicted. This process, and the ensuing cleanup required after his departure, cost another $ XXXX. Also, this person made extensive, non-approved modifications to the house, which drastically reduced its value. The house was again put on the market, though at a much reduced price, and in XXXX XXXX another Lease-Purchase/Occupancy Contract was signed. Again, late, and finally, non-payments forced us to have this person evicted as well. She also made unapproved changes within the house, further decreasing its value. This was another $ XXXX that we had to spend ( that we really could not afford ).
The house has been on the market, has had many, many, showings, but there have been few actual offers, probably due to the damage the other tenants have done. Our XXXX has gone above and beyond in his efforts to show and sell this house, but its appraised value of $ XXXX just prior to move-in of the first tenant has plummeted to around the $ XXXX level. We have invested, and lost, more than $ XXXX in all of this process. We had to put most of the legal fees on credit cards to try to get the damage to the house mitigated, and can not afford to make any more payments on this house.
The house has been on the market originally since XXXX XXXX. After the XXXX above mentioned false-starts on a sale, the house was relisted on XXXX XXXX, XXXX. There were over seventy-five showings, but few offers submitted. Finally the property was placed under a contract on XXXX XXXX, XXXX as a Short-sale, requiring the approvals of XXXX different lenders.
During this process, our attorney has been trying to work with, and get timely responses from, the negotiator representing the lenders. Even after various requested updates were provided, there were often weeks before a response was received a value dispute also took weeks to conclude, primarily because the Ocwen negotiator was negligent on the proper servicing of our account ; often times our attorney had to file escalations, involve managers and quote legal action just to obtain any response at all.
This short-sale would have been closed and funded well before the scheduled foreclosure sale date, if it were not due to the XXXX weeks in unnecessary delays and lack of communication by the negotiator and managers, despite multiple written attempts requesting assistance. The offer and acceptance in the current contract is 100 % of the lenders confirmed values after the value dispute we had to force them to submit XXXX part of the unnecessary delays bringing us to present day ).
Here is a condensed example of unnecessary delays resulting from inaction of the XXXX negotiator to respond in a timely manner. Please note that had the negotiator done WHAT he should have, WHEN he should have, the short-sale in all likelihood would have been completed, obviating the need for the foreclosure sale in Court on Tuesday XXXX/XXXX/XXXX : XXXX/XXXX/XXXX - We started requesting a value dispute on this date and it took several weeks from there for the lender to actually get the docs submitted for the dispute.
XXXX/XXXX/XXXX Initial results of value dispute came back unchanged from their original counter values of $ XXXX.
XXXX/XXXX/XXXX Submitted buyers appraisal showing confirmed values at $ XXXX and requested their valuation department take a XXXX look at the dispute. Managers were copied on most messages moving forward from this date, specifically requesting their assistance, yet none of the managers copied made any efforts to respond or assist.
XXXX/XXXX/XXXX Escalated request for response to managers again due to lack of response from the negotiator in 2 weeks. This resulted in the negotiator responded that the values had been revised to $ XXXX despite the fact that the lender did not have a full appraisal to support that value over the buyers full appraisal values of $ XXXX.
XXXX/XXXX/XXXX Negotiator says he will submit the buyers appraisal to their valuation dept for review ; clearly indicating he had not done this on XXXX when the report was originally sent to him. This was also the XXXX time the negotiator indicated he needed additional XXXX docs from the buyer that had already been sent to their loss mit dept on XXXX.
XXXX/XXXX/XXXX Still no updates so I sent another urgent message for assistance on the file. This resulted in the negotiator finally confirming the values came back at $ XXXX which was the buyers appraisal and clearly shows that IF he would have submitted the appraisal when he was supposed to we wouldnt have lost close to a month in review. The negotiator also requested the buyers operating agreement for the 1st time.
XXXX/XXXX/XXXX Submitted buyers counter at the full $ XXXX amount along with the operating agreement requested above.
XXXX/XXXX/XXXX Still no updates or approval but status in Equator was changed to indicate there wasnt an offer under review ; sent urgent message to negotiator and managers for assistance.
XXXX/XXXX/XXXX Still no updates or response to previous message ; despite 3 XXXXs being copied.
XXXX/XXXX/XXXX Called main loss mitigation department with Ocwen to submit a complaint and escalate outside of the Equator system for assistance. Was informed on this call that the file was showing incomplete due to missing docs despite the fact nothing additional had been requested. Left a v/m for XXXX XXXX XXXX supervisor ) and to date have not heard back. Due to the internal complaint I submitted the negotiator did finally send a message in XXXX stating the name on the buyers operating agreement did not match the name on the contract.
XXXX/XXXX/XXXX Within the hour we had the buyers corrected operating agreement submitted in Equator with an urgent request to postpone the f/c sale. The buyer had inadvertently sent the wrong operating agreement for another business that he owns with a very similar name.
XXXX/XXXX/XXXX Received confirmation from the negotiator that he did receive the corrected doc as well as our request for f/c postponement. He stated the intent was to postpone the sale but could not be guaranteed despite the multiple errors and unnecessary delays they exhibited internally on the file.
Even after multiple attempts to get the foreclosure sale postponed due to XXXX own internal errors, they still refused and the foreclosure occurred on Tuesday, XXXX/XXXX/XXXX. We confirmed the property sold back to the bank and we are asking that the sale be rescinded ( as is allowed in the state of SC ) and the short sale opened back up for consideration and approval of the buyers full price offer. As a consumer suffering a financial hardship, which was actually caused by our exhaustive efforts to upgrade the property, going through the list/sale and short sale process for the past 3 years and still being foreclosed upon due to a negotiators negligence is egregious to say the least. We are pleading with the CFPB to help get this sale reversed so we can finally move on from this tragedy and try to salvage our credit moving forward.
Company Response: Closed with explanation
2017-11-10
Milwaukee, WI
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Consumer requested 3 loan modification our attempts has been unsuccessful or insufficient to create a meaningful solution. Denial of loan modification kept contributing to our delinquent balance.
Consumer filed chapter XXXX, Mortgage company filed claim to trustee late.
Attorney offer was {$1600.00} a month we could n't afford.
Company Response: Closed with explanation
2017-11-09
South Florida, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I Have Tried At Least 10 Times To Apply For A Loan Modification : The Company Ocwen LLC Servicing Has Been Giving Me The Run Around, By Telling Me The Application Was Incomplete, And Ask For Additional Information, As I See The Information, They Say I Need Something Else. They Did This Until They Won The Sale Date With The Judge. I Have Certified Mail On Me Sending The The Applications For About A Year Or Longer.
Company Response: Closed with explanation
2017-11-09
Cedar Rapids, IA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-09
Rocky Ridge, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation