OCWEN FINANCIAL CORPORATION

2017-11-06

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XXXX XXXX I filed a complaint against Ocwen loan servicing, LLC because onXXXX of their XXXX filed a false affidavit in my foreclosure case. The response came from XXXX XXXX of XXXX XXXX XXXX. I was unable to respond to the response in a timely manner due to illness. I am now bringing this complaint against XXXX XXXX as representative for Ocwen for defamation of character of myself and my husband in her response to the complaint. It is filled with lies and she is aware the statements are lies. 1. In her response to our statement that XXXX XXXX ( the prior servicer of our loan ) did not apply payments for over 6 months, she said that we did not make payments in XXXX and XXXX of XXXX so XXXX held our payments in suspense. XXXX XXXX is quite aware that there were no payments due in XXXX or XXXX of XXXX per the XXXX XXXX XXXX. This agreement recast the XXXX and XXXX interest and added it to the principal and the first payment of the modification was due on XXXX XXXX, XXXX. The contract is a simple, clear, unambiguous contract that states the above. Seeing as she is a practicing attorney it would be proper to believe that XXXX XXXX is capable of reading a simple contract. Other business records such as the payment records and the phone records support the contract and that no payment was due for XXXX of XXXX of XXXX. 2. In response to our statement that Ocwen/Saxon has been trying to steal our home she states that our statement is false because we continue to live in the house while we fight the litigation after our default. We did not actually default. We stopped paying the mortgage payment for 2 reasons. 1-because we are exercising our right under the material breach of contract laws and 2-because the damages caused by this breach devastated us financially and we had no way to pay anything and were forced to let the matter go to court so we could countersue for material breach of contract. It is the mortgage holder that initially delayed the litigation for almost 4 years after the initial filing of the foreclosure because they did nothing. They did nothing because they were in the wrong. The case went through a couple of law firms before XXXX XXXX XXXX took on the case. My guess would be because other firms did not want stoop to falsifying evidence to defend a corrupt client. But XXXX XXXX does not seem to have a problem with it. 3. In response to our statement that Ocwen materially breached the contract XXXX XXXX states we breached our mortgage and note. NO WE DID NOT. We have evidence and facts that show that XXXX breached the contract in a way that can be construed a material ; they did not apply on time payments from the inception of the XXXX XXXX XXXX for many months and not until an attorney got involved. As soon as we discovered our legal recourse we took action under the belief that their actions constitute a material breach of contract. Ocwen accepted the prior actions of XXXX when they took on the servicing of the loan. 4. In response to our statement that there were no payments due in XXXX or XXXX XXXX she lies and says there were payments due. Again we can revert to the very simple reading of a contract and common sense. We entered into a XXXX XXXX agreement in XXXX XXXX. We negotiated this agreement because of financial hardship. The modification required a down payment in XXXX XXXX that was clearly paid per all records, BUT WAS UNAPPLIED. The contract clearly states that the interest for the XXXX and XXXX payments was to be recast and ADDED TO THE PRINCIPAL. The contract also clearly states the first modification payment due is XXXX XXXX, XXXX. The phone records concur with the phrase next due XXXX dated in XXXX. Yet XXXX XXXX states we owed 2 FULL, unmodified payments in XXXX XXXX and XXXX XXXX that we didnt pay. XXXX XXXX states the contract says that a payment was due XXXX XXXX, XXXX. She conveniently fails to state the rest of what the contract states in reference to a payment on XXXX XXXX, XXXX. It clearly states that the payment for XXXX XXXX is to be paid by XXXX XXXX, XXXX. It was XXXX payment due by XXXX XXXX that the contract CLEARLY states. That was part of the modification terms. We fell behind in XXXX due to confusion about the modification process. To get approved we had to pay XXXX XXXX payment by XXXX XXXX, XXXX, make a down payment in XXXX XXXX and get the paperwork in by a specific date in XXXX XXXX. In XXXX XXXX lie, we were required to pay a down payment, 2 unmodified payments for XXXX XXXX and XXXX XXXX, and XXXX payment for the modification to be due on XXXX XXXX. Anyone who has had a modification or a refinance or a mortgage knows that there is a month or 2 before a payment becomes due. With XXXX XXXX logic we would have been paying more than our mortgage payments to get a modification to help us in a financial hardship. How would that help? There would be no point. Basic common sense and contract law refute her lies. This is just another lie ; twisting the truth to defame us 5. In response to our statement that our credit has been damaged she refers to credit reporting after XXXX when we stopped performance of the contract due to their material breach. Although this isnt a straight up lie her response is meant to defer and defame. Our statement was based on the negative credit reporting in XXXX when we were paying as required and XXXX was not applying our payments and was reporting them as late payments to the credit bureaus. 6. In response to our statement that XXXX XXXX committed perjury in his affidavit XXXX XXXX states that he did not commit perjury. Let me refer to the XXXX law dictionary definition of perjury : The willful assertion as to a matter of fact, opinion, belief, or knowledge, made by a witness in a judicial proceeding as part of his evidence, either upon oath or in any form allowed by law to be substituted for an oath, whether such evidence is given in open court, or in an affidavit, or otherwise, such assertion being known to such witness to be false, and being intended by him to mislead the court, jury, or person holding the proceeding. In XXXX XXXX affidavit he asserts his knowledge and expertise in accounting for Ocwen. It would be proper to believe that someone of his expertise would be able to read a simple contract that sets out the requirements of our financial obligations to the mortgage holder. So he is either lying about the accounting or he is lying about his credentials. Both are perjury by definition. It becomes clear in his accounting when he starts out stating that we are delinquent by 2 payments in XXXX but suddenly in XXXX we are no longer delinquent yet we did not make any extra payments ; only 1 per month. He did not explain how we suddenly were no longer delinquent without extra payments. But the payment records show how XXXX applied the previously unapplied payments in XXXX. And that is how we magically were no longer delinquent. Unfortunately we had already suffered irreparable damages within that 8 month time frame that coincides with the housing market crash of XXXX. Subornation of perjury is defined by XXXX XXXX XXXX as the offense of procuring another to take such a false oath as would constitute perjury in the principal. XXXX XXXX procured the affidavit of XXXX XXXX. It is only common sense to conclude that she committed subornation of perjury. The statements in XXXX XXXX response to our original complaint, constitutes defamation of character. She presented this defamatory letter to the CFPB.
Company Response: Closed with explanation

Timely Response

2017-11-06

Columbus, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: PLEASE HELP! DESPERATE TO KEEP MY HOME!! I was working with XXXX XXXX XXXX a Division of XXXX XXXX XXXX to obtain a loan modification from XX/XX/XXXX to XX/XX/XXXX. I was given the modification from XXXX XXXX XXXX and the 1st payment was made everything seemed to be great. I then received information from a company that said my mortgage qualifies for additional help that could possibly pay off my entire mortgage as a result of my health problems that began XX/XX/XXXX but at the least it would pay my monthly payments however I had to be in default to qualify. On XX/XX/XXXX I spoke to XXXX from XXXX XXXX who advised me to visit the " Know Your Options '' website I registered with the program & tried sending the required information to them but was repeatedly told I was still missing information. I contacted a representative with the " Save The Dream Program '' and was directed to " Homes On The Hill '' who were authorized agents for the " Save The Dream Program '' I attended a workshop that was required for the program and met with XXXX who was a counselor to the program and was able to submit the paperwork directly and he did so on XX/XX/XXXX. I was advised that as long as I was in the process of completing the program and a sale date for my home had not taken place we still had time to protect my home. I believed and was continually reassured by my new loan servicer " Ocwen '' that I was doing everything required to keep my home of 16 years. I spoke to Ocwen 's representative who continued to assure me that as long as I was completing the " Save The Dream Program '' my home would still be saved. On XX/XX/XXXX, I suffered a house fire that did over {$100000.00} worth of damage to my house. I contacted Ocwen to find out how to proceed they sent me a Loss Claim Packet that was dated XX/XX/XXXX and the fire did n't even occur until XX/XX/XXXX. I filled out the paperwork & sent back to them along with the check I had received & endorsed from XXXX XXXX for {$90000.00} payable to myself & Ocwen Loan Servicing. The entire time I was working with the " Loss Claims Department '' I was unaware of the judgement they were granted against me for {$64000.00}. I was repeatedly told foreclosure proceedings will remain on hold during the time of repairs and that I should continue repairing my house. Believing what I was being told by Ocwen representatives prior to receiving any money from the $ XXXX check I endorsed & sent to them I started repairs on my home with insurance proceeds in excess of {$20000.00} that I received for personal property that was in my home. If I was not being told by Ocwen foreclosure proceedings were on hold and would be resolved with the monies from the " hazard claim deposit '' at the completion of the repairs, I would 've taken the $ XXXX and paid the past due money on my mortgage.I have repaired my home to 98 % completion of over $ 100k worth of damages with only {$59000.00} being paid by Ocwen from the $ XXXX insurance deposit. I did not have an issue doing this because I wanted the arrearages of my mortgage. The way my situation stands right now is I have spent over $ 50k of my own money since the fire on XX/XX/XXXX to repair " MY '' home that Ocwen Loan Servicing purchased at a sheriff sale on XX/XX/XXXX for $ XXXX and were credited back {$41000.00} while still being in possession of {$30000.00} from my homeowners policy. Ocwen immediately transferred my home to XXXX XXXX who is now taking me to court to evict me. Ocwen was granted a judgement in the amount of {$64000.00} and received a check endorsed by me in an amount over $ 90k if Ocwen was going to move forward with this at that time they could have retained their judgement amount and left me with a credit balance of {$25000.00}. Ocwen did not do this instead while telling me over & over everything would be corrected & the money would be applied from the hazard account to the past due balance and bring my home out of foreclosure they stole my home of over 16 years. When I received the 1st eviction notice and the paper stating my home had been sold I contacted Ocwen and they stopped the eviction & me having in good faith in what they " Ocwen '' said that they were rectifying their mistake & getting the money applied. I continued fixing my home. Approximately 6 months later several conversations with " specialized '' Ocwen representatives I received a 2nd eviction notice at which time I hired legal counsel who has been fighting this case with me since XX/XX/XXXX. I am now being told I do not have any legal grounds to fight for my home and that XXXX XXXX has every right to kick me out on the street and take possession of my house. XXXX XXXX received the house from Ocwen Loan Servicing at no cost but has made me an offer to purchase my home back from them for over $ 90k. The appraisal value at the time of the sale was only $ XXXX. For the past 2 years I have been diagnosed XXXX XXXX and XXXX as a result of not knowing from week to week if I will have a place to live, a home. I will include the paperwork of the invoices that shows the $ XXXX being deposited the 2 disbursements from XX/XX/XXXX and then the other $ XXXX just disappears and they " Ocwen '' become the owners of my property. I have also included the copy of the certified letter they sent me regarding the force placed insurance dated after the supposed sale. I have so much paperwork that proves the events I 've described. Please Help Me. I do not know where to go from here.
Company Response: Closed with explanation

Timely Response

2017-11-06

Auburn, WA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-06

SC

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: On XXXX-16 after being presented with a notice of default by OCWEN LOAN SERVICING, LLC I sent a Qualified Written Request for information, including but not limited to the true owner of the mortgage and note. This notice was signed for by OCWEN and completely ignored and now the foreclosure proceedings are in progress. Secondly, in a previous foreclosure attempt OCWEN LOAN SERVICING, LLC sent to me a notice indicating that my home was scheduled for a foreclosure sale, while there was no sale authorized or scheduled by the court in SC. After several written requests to verify this with OCWEN, they indicated in a letter that it was factual, my home was scheduled for sale and they would provide further details in a separate letter. This never happened. I sold most of my furniture and was left in a panic, only to find out that the case was dismissed by the SC court for lack of standing by the plaintiff.
Company Response: Closed with explanation

Timely Response

2017-11-06

Atlanta, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX : Ocwen Loan Servicing LLC Loan # XXXX Property Location : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX I currently own an apartment located at XXXX XXXX Ave., # XXXX XXXX XXXX, NY XXXX [ XXXX XXXX, New York ]. My mortgage is held by Ocwen Loan Servicing LLC. Ocwen is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My current mortgage payment is {$690.00} [ Loan # XXXX ]. The outstanding amount owed on that mortgage is currently around {$33000.00}. The Fair Market Value of my apartment is around {$310000.00}. On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement that reflected RIDICULOUS new charges to my account. The statement reflected that I owed County Tax on my apartment for {$83000.00} for tax year XXXX and {$110000.00} for tax year. Therefore, according to Ocwen, starting XXXX XXXX, my monthly mortgage payment would now become {$11000.00}. Upon receiving the Annual Escrow Account Disclosure Statement, I immediately contacted Ocwen to ; 1 ) Inform Ocwen that there was NO such thing as a County Tax in XXXX XXXX, NY. 2 ) Ask them where they had gotten the information that was reflected on the Annual Escrow Account Disclosure Statement. 3 ) Provide me with the information that they had used to include that false charge on my Annual Escrow Account Disclosure Statement. 4 ) Ask them why they did not question how there could be a County Tax of close to {$190000.00} on an apartment that had a Fair Market Value of {$300000.00}. 5 ) Ask them why they did not contact me about the supposed County Tax before it was included in my Annual Escrow Account. During the last month, I have spent at least six ( 6 ) hours on the phone with at least five ( 5 ) different Ocwen Representatives who EACH promised to provide me with the information. I was told by each Ocwen Representative that the information would have to be researched and they would get back with me within the week with answers to my questions. Ocwen also scheduled two ( 2 ) different phone appointments with me to discuss their findings. Although I made myself available for both of the phone appointments, NO ONE EVER CALLED. NO information about who instigated the fraudulent County Tax has ever been provided to me. Needless to say, I am unable to make a monthly mortgage payment of {$11000.00}. I also should not have to pay for a County Tax that does NOT exist. I need your immediate help with this situation. If you have any questions you can contact me at either number listed below. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Land Line ) ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-06

Andice, TX

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: Ocwen has stated we are responsible for paying for " XXXX XXXX Mortgage XXXX '' even when that information was never disclosed in the HAMP documentation we signed last year. Our estimated escrow amount was {$1400.00} at the time we signed our HAMP documents. When Ocwen re-analyzed our escrow monthly payment increased to {$1500.00} to make up for the mortgage shortage for property taxes and homeowner 's insurance XXXX XXXX XXXX XXXX. Per Ocwen 's website, we are responsible, as the borrower, for paying for " Lender Paid MI ''. Our original lender paid for the mortgage insurance to XXXX XXXX beginning in XXXX XXXX and we have never paid for mortgage insurance as the borrower. In the documentation we have received from XXXX XXXX and Ocwen of our escrow payment breakdown, it was never disclosed to us that we were responsible for paying for the " Lender Paid Mortgage Insurance ''. We were told escrow payment included property taxes and homeowner 's insurance. The MONTHLY payment amount of the mortgage insurance is {$480.00} per XXXX XXXX and loan amount of {$750000.00}. Servicer on the loan per XXXX, is XXXX XXXX Bank. Per Ocwen 's website, annual payment for Lender paid MI is {$620.00}.
Company Response: Closed with explanation

Timely Response

2017-11-06

Larkfield, CA

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

Timely Response

2017-11-06

Colona, CO

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-06

Center Moreland, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-04

Fresno, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: To whom It may concern I feel that the Lender purchased our property at a nonjudicial foreclosure sale, there by violating Civil Code section 2923.6, the prohibition on " dual tracking '' contained in the Homeowners Bill of Rights when they conducted a foreclosure sale of my property while the loan modification application was still pending. If you need any other information needed will be forwarded. Yours truly, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-11-03

Damascus, PA

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

Timely Response

2017-11-03

Ft Lauderdale, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-03

Bristow, VA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-11-03

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX, 2014, we sent {$5000.00} toward bringing our loan balance down and request a repayment plan for the remaining balance behind ; Ocwen stated that they reinstated the loan-flat out lie ; they did not reinstate the loan. They have manufactured a response since I filed this complaint to try an cover up their trickery ; Ocwen stated that unless we had the total amount that they would return it ; they did not return the {$5000.00}.? ; They did n't offer a loan repayment at that time. Ocwen has one goal-to foreclose by any means ; I have the loan statement ( wow ) when this problem, if they really wanted to help could have been fixed before this. We asked three years ago who the investor was ; never received the any information ; requested a copy of first denial letter ; never received it. Ocwen 's statement is : Helping home owners is what we do '' yes right into foreclosure with trickery ; not sending documents ; making false statement and then manufacturing a response to a complaint filed that stinks to high heaven. Ocwen knows XXXX well they did not reinstate our loan after money was sent ; they sent us a default letter. If I had not us money to get a second opinion for a misdiagnosis of XXXX XXXX that XXXX made a mistake on, I would be XXXX today from taking XXXX XXXX that would have not been needed for something I did not have ; Ocwen could careless or the investor, but now they are trying to cover up an untruth. They had not intention of trying to help us, but help us right into foreclosure by telling us one thing and it not being the truth. Ocwen could have easily offered the repayment plan when the loan was XXXX behind, after we sent the {$5000.00} that Ocwen did not return? But now they send us some repayment plan documents on Monday.. this has been trickery from the start .... and they should be willing to fix a situation that we got played into, but now it had been exposed!!!
Company Response: Closed with explanation

Timely Response

2017-11-03

Bohemia, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX
Company Response: Closed with explanation

Timely Response

2017-11-03

Carmel, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX, XXXX, I contacted my mortgage company ( Ocwen ) to get information on my existing loan and at some point during the call, I was transferred to XXXX XXXX ( Ocwen 's residential mortgage loan servicer and originator ) to discuss and apply for a mortgage refinance. At that time, we initiated an application for refinance. During our loan process, on XXXX XXXX, XXXX at approximately XXXX ( PST ), I called XXXX and spoke to XXXX XXXX I informed her that we were within the 72 hour grace period of closing our loan but had received a " {$500.00} Ocwen Loyalty Reward '' in the mail from Ocwen. The top of the document states " This voucher entitles you to receive a {$500.00} Ocwen Loyalty Reward when you refinance with XXXX XXXX XXXX XXXX '' XXXX stated that there was no problem applying the {$500.00} even though we were in the final stages of our loan process. She said that our loan originator, XXXX XXXX could further assist me and she transferred me to XXXX. During my call with XXXX, XXXX asked me to email her the Ocwen XXXX XXXX document. Once she received the document, she stated that she needed to talk to the Underwriter and would call me back. On XXXX XXXX, XXXX at approximately XXXX ( PST ), XXXX called me back and stated that there was no problem applying the {$500.00} credit, then she realized that we had signed the closing documents the day before and were within the 72 hour grace period to cancel. She then stated that she needed to speak with XXXX XXXX, the Loan Processor, then call me back. On XXXX XXXX, XXXX at approximately XXXX ( PST ), XXXX called me back and stated, " no problem. '' She said that she had spoken to her manager and since the loan had n't yet funded, an adjustment could be made and the {$500.00} credit would be reflected in the money that we would get back once funded. I asked her again if we would be getting the {$500.00}, just to confirm ... and she stated that we would be getting the {$500.00}. On XXXX XXXX, XXXX, we noticed that XXXX had deposited funds into our checking account but the deposit did not include the {$500.00} that we were promised. At approximately XXXX ( PST ), I contacted XXXX to inquire. XXXX stated that an email was sent to the XXXX XXXX ( Loan Closer ) on XXXX XXXX, instructing him to make the {$500.00} adjustment before the final closing. She stated that she would contact the Closer and would call me back. On XXXX XXXX, XXXX at approximately XXXX ( PST ), I left a voicemail for XXXX asking for a status update since I had not heard back from her. On XXXX XXXX, XXXX at approximately XXXX ( PST ), I contacted XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX stated to me that he was not notified to make the adjustment until he received an email from XXXX the day before ( XXXX XXXX at XXXX EST ) ... 6 days after XXXX said that there was " no problem. '' XXXX stated that the email was received after the loan was disbursed therefore, he could not make the adjustment. He stated that the adjustment could have been handled within the Close funding stage in the prior week. XXXX stated that he would email XXXX in regards to our conversation. On XXXX XXXX, XXXX at approximately XXXX ( PST ), I received an email from XXXX stating, " I sincerely apologize for this inconvenience. I am still working with management regarding the solution for this omission. For your information, XXXX XXXX, your loan processor, has advised XXXX XXXX via email immediately after we spoke on XXXX/XXXX/XXXX. I have forwarded the email to XXXX XXXX to prove that we have notified him on time before your closing. '' On XXXX XXXX, XXXX at approximately XXXX ( PST ), I received a call from XXXX XXXX XXXX XXXX Sales Manager. XXXX also identified himself as XXXX 's manager. XXXX stated that the email instructing that the {$500.00} be applied was sent to the Closer but not in time because the documents were already prepared. He also stated that the offer was not available for loans already in process. During the conversation, XXXX offered me a {$100.00} XXXX gift card for my troubles. I declined the gift card and reminded him that two XXXX representatives had promised me that the {$500.00} adjustment could be made and XXXX XXXX confirmed that he could have made the adjustment if he had been instructed to in time. XXXX stated that he wished that he had gotten involved earlier. I told him that XXXX had put me on hold on XXXX XXXX then came back on the line stating that she had spoken to her manager and since the loan had n't funded, the {$500.00} adjustment would be made. As I go back through my notes, during XXXX 's return call to me on XXXX XXXX, XXXX at approximately XXXX ( PST ) she told me that she had spoken to her manager ( after I had emailed her the {$500.00} Ocwen Loyalty Reward document for review ), and they would honor the reward and make the adjustment. I asked XXXX to email me with the reason for now deciding not to honor the promises to pay. I also asked XXXX to check with his Compliance Dept before sending the email ... all in hopes of avoiding a regulatory complaint. On XXXX XXXX, XXXX at XXXX, I received the following response from XXXX XXXX : " XXXX XXXX Unfortunately we were not able to apply the {$500.00} customer loyalty in time. Since this is a request that is usually given to us by borrowers at the time of application, we are set up to apply this discount at that point in the process. I know you dealt with several individuals within XXXX attempting to apply the discount, but ultimately the closing happened too soon for the discount to be applied. '' We will put a {$100.00} gift card in the mail for you to help compensate for this. As mentioned on the phone, XXXX 's intention was to be able to give you the best terms possible, while trying to get you to close as fast as possible before your ratelock expiration. Your type of loan was a Conventional loan ( backed by XXXX and XXXX ) so XXXX was to underwrite your file to their guidelines. We really appreciate your business and for allowing Ocwen/XXXX to service you. Kind regards, XXXX XXXX '' I would like for the CFPB to investigate this complaint, as : 1 ) XXXX agents and management have made promises to pay the loyalty reward after reviewing the document and knowing where we were in the Closing Stage ( within the 72 hour right to cancel ), then reneged. 2 ) In XXXX 's XXXX XXXX email, he states that he knows that I dealt with several individuals within XXXX " attempting to apply the discount. '' Based on the phone conversations I had with XXXX individuals after XXXX XXXX, there were no attempts to apply the discount ... only employees pointing fingers at each other. XXXX XXXX saying he did n't get the emailed instruction for the adjustment until after the loan had funded and XXXX stating that the email was sent on XXXX XXXX, in time for the adjustment to be made during the Closing stage and the 72 hour grace period to cancel. 3 ) In the 3rd paragraph of XXXX 's email, he mentions : " XXXX 's intention was to be able to give you the best terms possible, while trying to get you to closing as fast as possible and before your ratelock expired. I appreciate XXXX 's intentions, although it took over 7 weeks to close this loan. Unfortunately, I now wonder if " closing as fast as possible '' played a role in the " omission '' that XXXX referred to in her XXXX XXXX, XXXX email to me. It is my hopes that the CFPB will request call recordings for all calls between XXXX and me on XXXX XXXX and XXXX XXXX. These call recordings will capture the promise to pay the {$500.00} after the Loyalty Reward document was reviewed by management. Thank you for your time and consideration in this matter ... it is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Stafford, VA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.
Company Response: Closed with explanation

Timely Response

2017-11-02

Atlanta, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX, XXXX, it was explained to my that my mortgage is in arrears due to the closure of bankruptcy. The company failed to explain once the bankruptcy claim was completed that an additional adjustments of {$200.00} was needed to recoup the monies that were paid during the financial crisis. Each month I would send in my mortgage thinking every payment was being applied properly to find out that the monies were adjusted to satisfy the rate during bankruptcy. I have had so many different grieves with this company dating back to XXXX. During that time the company applied something called Principal Curtailment starting at {$1000.00} and the monies grew up to the amount of over {$7000.00}. The loan is a projected as a predatory leading practices and I have written several officials both locally and state representatives. Each year their is a new issue with the payment schedule and I really need help and referred to a legitimate company with honorable practices. I have attached a few documents to provide an overview of the problems and attempt to satisfy any errors in the payment schedule.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Tarzana, CA

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Loan # XXXX Dear Research Department, I am asking that you investigate my loan and listen to the recorded phone calls made by your employees, which have led to the situation at hand and that needs to be resolved immediately or I will have no other choice but to contact Federal Trade Commission, BBB, and all three credit bureaus and an Attorney for Fraud. I have been very patient with this process and have been going around in circles and not getting any where since XXXX XXXX when I was informed that I owed XXXX, XXXX, because there was no money in my escrow account and that my new payments were XXXX, more than doubles my actual payment. This all started as soon as my bankruptcy was discharged in XXXX XXXX and if you look at my history on this loan I have always been on time with no late payments. On XXXX XXXX, XXXX I called and spoke with a XXXX XXXX XXXX to inform him that my bankruptcy was completed and if I need to do anything, to which he informed I did not, that once they receive the discharge documents they will take care of things. He also looked at my account and informed me that I was ahead in my payments and that I did not need to make a payment until XXXX XXXX, XXXX. I asked him if he was sure because I didnt want to mess things up after I just finished my bankruptcy and he reassured me that I did not need to make a payment until XXXX XXXX, XXXX. Then on XXXX XXXX, XXXX I received a check in the mail # XXXX, dated XXXX/XXXX/XXXX in the amount of XXXX. On XXXX XXXX, XXXX @ XXXX I called and spoke with employee # XXXX and I asked if this had been sent to me in error and if I needed to send it back. I was reassured that this was because my bankruptcy was completed and it was the money that was kept in escrow for all my on time payments and if I didnt have any late payments after the five years if was rewarded to me. I also asked him about the payments I did not need to make, and I was informed that it was correct and that when I make my payment in XXXX XXXX I only needed to pay XXXX, and then in XXXX my regular payment and then in XXXX, it would be adjusted to the new interest rate. I kept questioning it, but was told it was my money. Because I was still not comfortable With the check for XXXX I called again on XXXX XXXX, XXXX @ XXXX and spoke with XXXX XXXX and questioned him about the check, to which he told me the same thing that I heard the day before, so I cashed the check and used it for repairs on my house. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX} XXXX/XXXX/XXXX XXXX On XXXX XXXX, XXXX I received a call at XXXX to inform me that they are trying to collect XXXX that I am behind on my account. I told the person that I needed to look into and talk with an attorney, because I did not owe XXXX when they just gave me XXXX. On XXXX XXXX, XXXX I called and got the run around from the person on the phone who said he would order an analysis of my account, when I asked if I could speak with a supervisor he put me on hold for a long time and then came back to inform me that no one was available. XXXX XXXX, XXXX I spoke with XXXX # XXXX @ XXXX, went over everything again, he was trying to get the payments applied to the correct months and after he was able to he informed me that I owed {XXXX, which I still did not agree with, and asked to speak with a supervisor and was connected @ XXXX to XXXX # XXXX, who listened and then informed me that I needed to speak with someone in the Escalation department and said they would contact me. XXXX XXXX, XXXX @ XXXX x XXXX mins I received a call from XXXX XXXX XXXX, we reviewed everything and he informed me that he would have to look into everything and speak with the Escrow department and look at my payments and would need a few days and would get back to me. XXXX XXXX, XXXX @ XXXX x XXXX min, then again at XXXX x XXXX mins - he left a voice mail letting me know he tried to reach me. XXXX XXXX, XXXX @ XXXX x XXXX mins XXXX called me to let me know he needed more time. I called in between this time and was told that that I only owed XXXX and I told them I didnt owe anything that I had done exactly what I was suppose. I left a few voice messages on XXXX phone asking him to please call me. XXXX XXXX, XXXX @ XXXX x XXXX mins XXXX called to go over everything and informed me that I still owe XXXX, despite the fact that I was told by Ocwen employees that I was paid until XXXX XXXX, XXXX and I didnt need to make XXXX XXXX payments and that I received a check from Escrow for XXXX. We just kept going around in circles and he said he would look into things some more and get back to me. XXXX XXXX, XXXX @ XXXX x XXXX mins XXXX reviewed everything with me again and still came up with me owing XXXX and when I still did not agree, he suggested that I send a letter via fax to the Research Department and gave me the number. XXXX XXXX, XXXX @ XXXX I spoke with XXXX # XXXX after hearing that my XXXX XXXX payment was only XXXX, when I asked him how that was possible he said that I had a modification and that was my new payment. I questioned him about it as I did not apply or approve a modification. XXXX then transferred me to XXXX # XXXX @ XXXX and he informed me that according to my loan they can make modification if needed, I informed him it was not needed they just needed to correct their error, that I did not want them increasing my principal balance to add the money they sent to me and the payments I was told I did not need to make and increase the years on my loan. He said he could give me information on hardship ; I informed him I am not in hardship I just need them to correct their error. I asked XXXX which department that I need to send my letter to, that XXXX had told me and he looked into the notes and informed me that it was the Research Dept. and gave me their fax number, then XXXX transferred me to XXXX # XXXX @ XXXX who was suppose to be in the modification department and when I questioned her about who gave them my authorization to modify my loan and how much money did they add into my principal balance and if they extended my years, she would not tell me and just said it is still in processing and she cant give me any details at this time. I asked her what they show as my balance she informed me XXXX. Informed her I would fax my letter and go from there and see if they can resolve the issue once and for all or if I need to get an attorney. I have gotten multiple letters in the mail telling me that I owe different amounts that I may go into foreclosure and lose my house. I have mentioned time and time again to everyone that they are ruining my credit and need to stop reporting false information to the credit bureaus until this can be resolved, but Im always told that it can be stopped but it can be corrected afterwards. I have been trying to refinance my house and that is when I realized that I was in bad standing and that is why I cant get a HARP loan. I wanted to refinance and get locked into a low interest rate before they go up again. Unfortunately with the issues occurring on my loan that was never a problem until my bankruptcy was completed and I was given misinformation by Ocwen employees, was I in this distressing situation which looks a lot like fraud. I hope they you will be able to review the evidence and listen to the recorded conversations between myself and the Ocwen employees involved and come to a resolution quickly. I have also filed a complaint with the BBB, and it has been over 30 days without a response from Ocwens Ombudsmen assigned to my case. Thank you for your time in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-11-02

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: Previous letter receive by the debt collector statement ( Ocwen loan Servicing ) has sold the servicing rights to XXXX XXXX Mortgage, without my awareness or consent, which is a violation of my contract and rights according to FDPCA. In my defense, I did the following, '' 1st payment was sent certified cashier check in the amount of {$650.00} and it was returned back to me by Ocwen Loan Servicing on XX/XX/XXXX. " 2nd payment sent in the amount of {$650.00} by personal check # XXXX mailed on XX/XX/XXXX and returned back to me. However I 'm paying the escrow myself ( Taxes & Insurance ) since XX/XX/XXXX Homeowners Insurance and Taxes paid in full for XXXX. I later receive a correspondence from Ocwen Loan Servicing on XX/XX/XXXXXXXX ( Mortgage Reinstement Quote ). which is a debt collector. By reviewing my recent copy credit report, It shown on all 3 credit report paid and current for accepted payments for {$650.00}, All payments were paid current according to my payment records, later discover XXXX and XXXX payments was n't applied on the credit report, but the following payments were applied on XXXX, XXXX, XXXX, XXXX, I need to know according to alleged statements I receive monthly, Why are they returning my payments and quote : stating I have the amount do on my account. I need answers ASAP. Thank you kindly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Ruston, WA

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

Timely Response

2017-11-02

Saylorsburg, PA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-11-01

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-01

Berthoud, CO

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.
Company Response: Closed with explanation

Timely Response

2017-11-01

Bethany, OH

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response