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 155
2017-08-23
MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX
Company Response: Closed with explanation
2017-08-23
Coronado, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Im writing this complaint in regards to Ocwen, my current mortgage company. Earlier this year I had a tenant living in my home who stopped paying the rent. I, at the time, lived in another location where I leased a residence. Unfortunately, I was unable to pay my rent at my residence and the mortgage that my tenant was living in. Consequently, I fell behind in my payments, to the tune of 4 months.
I contacted Ocwen early on and advised them of the matter stating that I was in the process of evicting the tenant because she failed to pay rent and refused to vacate the premises. I further advised Ocwen that the California process for evicting a tenant is 60 days, in addition there may be a default issued, where it would take time to process the Sheriff to provide a lockout OR there may be court procedures. All of which take time. Therefore, I asked Ocwen for assistance with lowering the interest rate and also asking if they would be willing to place the missed payments to the back of the loan.
I was able to catch up with 2 payments ; however, the other 2 payments have been a hardship to catch up to. I applied for Ocwens Hardship assistance. Ocwen denied me, but could not explain why they denied me. Further, I asked Ocwen to place the 2 missed payments at the back end of the loan. I was again denied that because I did not qualify for this. Those are the exact words of the Ocwen customer service representative.
When I inquired as to why I did not qualify for the hardship or the placing of the payments to the back end of the loan, the individual could not tell me why. All he said is that when he put in the request, the system told him that I did not qualify. I asked him to provide me with a Supervisor and some documentation, as there must be an explanation as to why I did not qualify ( especially for placing 2 payments at the back end of a loan I am not sure what type of qualifications you need for something so simple as this I want to keep the property, I want to pay, I just need a little assistance for a matter that is completely out of my control JUST A LITTLE ASSISTANCE would have been nice from Ocwen. However, I was informed that he could not provide that information to me and that there was no documentation as to why he couldnt place the 2 payments at the back end of the loan. Ridiculous!
There appears to be some Fair Truth and Lending malfeasance on Ocwens part. It is not difficult to place 2 payments to the back of a loan especially from someone who has stated they are willing to pay just need some help.
Ocwens slogan is Helping Homeowners Is What We Do! However, Ocwen has not helped this homeowner, nor the many others in California, Florida, and New York which is evidenced by the several ongoing mass lawsuits against Ocwen in those three States.
I merely need the payments to be placed at the back end of the loan. Further, any assistance in lowering the interest rate even for a two year term would also help.
I am forging my complaint here, hoping that someone will do something for us homeowners who need some assistance, but who seem to be denied from receiving even the slightest assistance from a mortgage provider who states that they are there to help homeowners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-23
Ellis Island, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-23
Blackbird, DE
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: This is the 2nd time I have applied for a loan modification from Ocwen. I also applied when my loan was held by the company before them. The sole source of income to pay the mortgage comes from the rental income received monthly. Unfortunately, since the day I purchased the house the market dropped. I am not able to sell the house for a price that would get me clear from the loan. The market rents have increased over the past few years but the rent doesnt cover the mortgage, the taxes and insurance for the property. I have struggled since the day I bought this property. I am beyond frustrated and feel that the lender is holding me XXXX because of the 8.625 % rate that is accruing on my adjustable rate mortgage loan. I know Ocwen Loan Services can make the numbers work for me and them if they would legitimately follow the guidelines of this program. I know that the Loan Modification was made for people like me who were victims of these mortgage brokers out for a payday. I know that I meet now, and have always met the criteria required of the Loan modifications. I need your assistance as soon as possible to get the Ocwen to help me lower my interest and my payment so I can afford my mortgage payment. Without your assistance, all the paperwork Im sending to them for this modification will go in the trashcan. To date, they do not respond to any of my questions they just continually keep asking for more and more documents. They wont return my calls but after they say they have everything that is needed nothing changes and they ask for everything all over again. I have been going through this run around for over three years. Please help, I was able to get my other mortgage company to do a modification on my other loan. I appreciate all your help in advance and look forward to your assistance in this matter.
Company Response: Closed with explanation
2017-08-23
Brooklyn, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-23
Arvada, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Dear Ocwen LLC XX/XX/XXXX Our purpose of writing you is regarding our Loan Modification ; we entered into with you in XX/XX/XXXX. During this very stressful time, you offered us a Loan Modification knowing we had a First and Second mortgage. We asked several times doing our numerous conversations, if the loan modification included both loans. Your response to us was yes, and we would not have any other delinquencies on the loan if we paid the loan per the loan modification. This would save your home. It was our understanding you would defer our second loan until the end of the loan. Now we are being told the deferred payment was part of the Modification, and our 2nd mortgage was not included in the modification. This is a classic bate and switch tactic, in which Ocwen has become notoriously known for. Our loan modification was initiated as part of the HAMA program. In this program, it clearly states page 11, the home owner would not be charged any upfront fees, nor incur any additional cost in order to enter into the modification. At the time of the modification, you requested we pay {$13000.00}, which we did. This was wrong for you to do this per the HAMA program guidelines. In addition, you added a deferred amount of {$93000.00} to the first lien position. What sense does this make if you were truly trying to assist us? You added more on our first mortgage then what we owed. This is obviously a hidden upfront fee. Our original mortgage was {$310000.00}. We had paid on for six years. The balance at the time was obviously less then the original loan amount. When you advised us of a deferred amount it was expressed in your communication the modification would address both the 2nd and 1st. Other wise why would we want to added more on our loan? Know we are being told, you sold our second high interest loan to XXXX XXXX XXXX who in turned, sold it to another company, and that company sold it to another company. It finally ended up at XXXX XXXX XXXX, who has an outstanding not due by us. They are saying we owe them {$100000.00}, not even taking into consideration we had paid the loan down through the previous servicing company. I have several requests of you, to resolve this nightmare : 1. Extinguish the deferred payment on the first lien position. And provide us with a payoff amount reflecting this. Advise us if you have received any compensation on either of our lien as a result of our entering into this loan modification, per the HAMA program. Second Lien Elimination Payments : To reduce the borrowers overall indebtedness and improve loan performance, additional incentives will be provided to extinguish junior liens on homes with first-lien loans that are modified under the program. Per Page 15 of the HAMA program. 2. Provide us a full historical financial audit of the loan or loans as they were being serviced by you, from day one. 3. Verification of the payment of {$13000.00} we paid to you in as part of the modification agreement. Refund all of this {$13000.00} payment as it should have never been charged by you per the HAMA.
4. Im requesting a full disclosure of all recorded phone calls on this loan from day one.
5. Explanation as to why you are still charging us for mortgage insurance when our loan balance is well bellow 80 % of the loan amount who hold on the property. We are requesting a full refund of overpayments charged by Ocwen of our Mortgage insurance. 6. We are requesting a full audit of our escrow account and any overpayment to be refunded as well. 7. I want to know what was the balance of the first lien at time of the modification. Thank you for your anticipated cooperation on this matter. CC : Consumer Financial Protection Bureau.
Company Response: Closed with explanation
2017-08-23
Bueche, LA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The company is Ocwen Loan Servicing, LLC and the current mortgage was in the name of my parents. The real property is a declared disaster home from XX/XX/XXXX flood. In light of the flood, I was court appointed Power of Attorney over my parents and their damaged property. Unfortunately, my father XXXX XXXX unexpectedly XX/XX/XXXX and my parents had been temporarily housed in a FEMA mobile home unit until repairs were completed ; my mother continues to occupy the mobile home. Ocwen was notified of my father 's XXXX almost immediately and was provided the original XXXX XXXX. I retained legal counsel due to the absence of a will and testament. My attorney began the proceedings for a Small Succession to support and ensure proper transfer of ownership surrounding the damaged property. My father was a XXXX XXXX veteran from the XXXX branch and was XXXX XXXX XXXX in the XXXX XXXX reserved for our XXXX XXXX. There is a flood insurance claim which was filed and those funds have been forwarded to Ocwen but can not be liquidated for repairs because the name of the account was changed to reflect an estate of my XXXX father. According to U.S. Federal Civil Law, the Affidavit of Small Succession dissolved such estate when my mother, as surviving spouse and myself, decedent 's only heir were duly sworn and deposed by an officer of the court. This affidavit has been filed and recorded as of XX/XX/XXXX. Ocwen continues to argue their company policy for Assumption is the only avenue to secure full ownership of the property. The affidavit clearly states entitlement to my mother as Usufruct and my entitlement as Naked Ownership in the jurisdiction of the state of Louisiana. The LA Code of Civil Procedure Article 3434 is outlined and defined within the affidavit for reason of any confusion to those whom may not be familiar with community property states and transfers of ownership. Ocwen was contacted officially with request of escalation on XX/XX/XXXX and supporting documentation was submitted XX/XX/XXXX. Ocwen denied my first request to change the name of the account and adhere to the federal affidavit. The request is now with an escalation resolution team who still does not have a resolve for my request and now we exceed 60 days. As I continue to reach out to Ocwen daily, I meet constant failure to adhere to the filed and recorded affidavit and am told repeatedly that the transfer of ownership can only be achieved through the Assumption process. Please note this account is current and is in no way associated with delinquency, foreclosure, or deed in lieu. I have been accountable and responsible for the payment history for the past 6 months which demonstrates a prudent and determined behavior to remain in good standing until the payoff of this mortgage loan. The delay from Ocwen to adhere to the Civil proceedings not only is unfair treatment but prolongs the repair and restoration of the disaster declared property. I am seeking assistance from the highest rank of Government for consumers whom continue to be railroad by mortgage companies like Ocwen.
Company Response: Closed with explanation
2017-08-22
E Greenwich, RI
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I filed a complaint with CFPB against XXXX XXXX XXXX and OCWEN regarding a bait-and-switch situation during the closing of my mortgage. They baited me by assuring me during closing that I could at any time cancel my escrow account because I put 20 % down for the purchase. OCWEN switched by refusing to cancel my escrow when I asked them and they switched from 20 % to 25 %. This was not part of the original agreement in written and VERBAL form. After I filed the above complaint with CFPB, OCWEN retaliated against me by inserting a bogus note into my credit report. Their note ( which they admitted to in my telephone conversation with OCWEN ) showed up as an Alert to the Underwriter on a new loan that I am currently trying to obtain. Their negative comment on my report probably also affected my credit score by lowering it some 10-20 points. My credit report had been consistently above XXXX over the past couple of years.
Company Response: Closed with explanation
2017-08-22
OR
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX
Company Response: Closed with explanation
2017-08-22
Cheverly, MD
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: First, I would like to thank you for assisting with my first complaint # XXXX about OCWEN LOAN SERVICING LLC. Next, I want to open a new complaint because I sent them an QWR on XX/XX/XXXX and they responded to myself and CFPB by electronic mail on XX/XX/XXXX. And yes while OCWEN did send out a response to both of us, so that would be complying to Section 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ) which requires that they respond to " qualified written requests '', they again did not send me the information that was requested by me. They sent out a response to us stating that my concern was addressed to them on XX/XX/XXXX and that according to them my concern was with the Law Offices of XXXX XXXX which was never a question to OCWEN when I was writing them asking them for information at all. This information that OCWEN sent to you is false. OCWEN again is still not doing business in the State of Maryland by the rules, and that is why the State of Maryland is not letting the do business in this state. According to all of the information that I am receiving, I am not sure where my payments are going, but reading the information on the case file that Maryland put out, the XXXX # XXXX is a part of this paperwork and it looks like my money is going somewhere but not sure to whom or where it is going. And also I found out by an Real Estate Agent that this alleged loan was put in for 50 years which was revealed through a credit report they he pulled, this is something that OCWEN did not disclose to me. The things in my first QWR that I asked them for were not furnished to me or the CFPB. They stated that they WILL NOT RESPONED TO QUESTIONS THAT DO NOT RELATE TO THE SERVICING OF THIS ACCOUNT, BUT all of the items that I asked them to show be documentation for is related only to my account. So, I would like to know how or who I need to contact to get OCWEN to get me the information that I requested in the QWR that I mailed to them via U.S. Postal Service Return Receipt on XX/XX/XXXX. The second page of my letter show the items I asked them to provide to me. Thanks for your help with this matter.
Company Response: Closed with explanation
2017-08-22
Burbank, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I just received a mortgage account statement from OCWEN LOAN SERVICING, LLC in the amount of {$8700.00} ( Mortgage Account statement dated XXXX attached ). OCWEN LOAN SERVICING, LLC has failed to provide any explanation or detail as to how this amount was specifically calculated. OCWEN LOAN SERVICING, LLC lists in its description of the mortgage account statement the principal payment, interest adjustment and charge - short payment, for figures of {$4200.00} and {$260.00} and {$3900.00}. Where did OCWEN LOAN SERVICING, LLC specifically compute these figures from, how and when did they specifically originate? OCWEN continues to make widespread errors on my account and needs to remove these bogus charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-22
Chestnut, NJ
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
2017-08-22
Town Center, NJ
Applying for a 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
2017-08-21
Edenton, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-21
Cheverly, MD
Applying for a mortgage
Mortgage: Other type of mortgage
Complaint: I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since XXXX XXXX.
Company Response: Closed with explanation
2017-08-21
TN
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX took over our home loan around XXXX and before we had no trouble with any payments or any issues with the previous mortgage company XXXX XXXX. Ocwen is now stating that we are up to 6 months behind in our home mortgage payment and will not take any of our payments as we have sent over 4 payments to them. They have sent every cashier 's check for the amounts of {$1000.00} in XX/XX/XXXX, XX/XX/XXXX for {$1000.00} back to us and have stated to not to send any more payments to us. We have called them and asked how to resolve this matter and they stated we had to send {$5900.00} and it would up to date.We spoke with them on XX/XX/XXXX and they stated they could not help us unless we payed the amount in full or we would be foreclosed on.l Our house has been listed on the internet without our knowledge for foreclosure but now has been taken down. We have a XXXX XXXX XXXX total XXXX great grandson who we have raised since birth and have lived in this house XX/XX/XXXX. He has XXXX, XXXX XXXX, He can not walk and is confined to wheelchair but he talks in his own way. We have to feed him, he is total care. We have told Ocwen this over and over and they do not care and will not work with us even when he stands to loose his own home that he has only known.
Company Response: Closed with explanation
2017-08-21
San Jose, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Ocwen is acting in bad faith and with gross negligence in connection with a financial matter. At issue is Ocwen 's demand through their shell company XXXX XXXX of an illegal demand for contribution in a short sale. CA law forbids junior lien holders from requiring contributions to do a short sale and worse Ocwen has a guideline of only paying 8 % for junior lien holders. In this case Ocwen is the junior lien holder. If Ocwen only pays 8 % to junior lien holders per their guideline then they should most certainly be happy to receive 8 % which is what 1st lien holder is paying Ocwen. Ocwen must accept the offer amount being paid due to 1. CA law forbiding contributions to junior lien holders and 2. Because their guidelines pay junior lien holder 8 % so demanding almost 25 % is not only ridiculous and against ethical business practices and their own stand business practices. Ocwen very well knows no junior lien holders on short sale receive 25 % pay off. Payoffs to junior lien holders in short sales are maxed at 10 % varying by lender. Ocwen only pays 8 % they can accept 8 %.
Company Response: Closed with explanation
2017-08-21
Liberty Township, OH
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I have been complaining to the cfpb ... ..you guys ... .for years ... .XXXX??? You guys have been closing out all my complaints ... .i have disputed them all ... and you have them closed out because ocwen sent you their paperwork??? Seriously??? My home has been foreclosed upon ... i have been complaining to the cfpb for years ... .and you guys close my complaints???? Like ocwen has made things right with the paperwork they choose to give you!!! Ludicrous!!!!
Company Response: Closed with explanation
2017-08-21
Palos Park, IL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.
Company Response: Closed with explanation
2017-08-21
Hammond, LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-21
San Diego, 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
2017-08-21
MS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX my mother refinanced her home in XXXX XXXX, La for {$96000.00} XXXX XXXX XXXX XXXX XXXX La and GMAC, parent of Homecomings Bank, acted as originators of fraudulent mortgage The initial mortgage application defects were 1 ) unlawful fabrication of declared income statement of mortgagor ; 2 ) unlawful appraisal of property to support inflated loan-to-value claim ; 3 ) a portion of mortgage proceeds were unlawfully applied to origination fees ; 4 ) a portion of mortgage fees were unlawfully rebated to owner as incentive. These defects of unlawful income fabrication and unlawful appraisal were created and committed because without these defects XXXX XXXX would not have fit within the criteria used to quantify a loan of this type. Her ability to repay was glaringly shown to be inadequate for standard legal underwriting practices.
21. Because of this and without a full understanding to her financial, emotional, mental and XXXX granted Peace of Mind the Mortgagor, faced with payments of 95 % of income quickly went into default. The mortgage was restructured by the mortgagee. Among the restructured mortgage application defects were the continued use of 1 ) unlawful fabrication of declared income statement of mortgagor ; 2 ) unlawful appraisal of property to support inflated loan-to-value claim ; 3 ) a portion of mortgage proceeds were applied to origination fees ; 4 ) The growing obligations of the mortgagor were effectively concealed by the mortgagee. By their own admission in foreclosure proceedings the mortgage companies of GMAC, HOMECOMINGS, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have stated the restructuring of this mortgage in this manner was carried out a total of 13 times between from XXXX XXXX until XXXX XXXX when hurricane XXXX hit the XXXX XXXX area of La. My mother XXXX XXXX XXXX, XXXX. Even after her death XXXX has entered into evidence a workout arrangement supposedly signed by mother. My mothers ( who was XXXX and XXXX XXXX from having a XXXX in XXXX XXXX verifiable and correct income was no more than {$1300.00} per month I have bank and social security statements to corroborate this. My mother Never should have qualified for a mortgage that started out with payments of XXXX per month.This was undue hardship that led to a faster and further health deterioration ultimately leading to her having a second XXXX and XXXX in the home. The parties mentioned all have had prior complaints with regards to these matters of Predatory Lending and servicing practices. This loan has ballooned in amount from {$96000.00} to almost {$300000.00} from excessive Lawyer fees escrow charges fraudulent late fees and service fees. Because my mother was placed in a loan that in effect required her to use 95 % of her monthly income to pay she was unable to pay for proper medical care for herself, she could not afford to even feed herself. She found herself becoming more dependent on the public assistance give to her older sister who is diagnosed as XXXX for whom she was the caretaker. I am including one of the workouts so you can see for yourselves that the entities involved did nothing to assist my mother in trying to correct this XXXX of justice and curtail the criminal activities by lowering her payments and bringing it back to the original loan amount of {$96000.00}. Instead they kept calling, sending letters and summons to my mother creating more stress leading to her XXXX XXXX. I have been fighting these entities since XXXX with all their maneuverings inside the courts and the expense I have had to incur including but not limited to money, ( business ) time and overall peace of mind, finally they won a MOS and were given possession of the house in XXXX of XXXX. I had improper service of the decision so I was not afforded a response or appeal, through 2nd District Court in XXXX XXXX or XXXX XXXX ' courtroom. I can only assume this was the intention all along to steal a property from someone who the parties involved knew could not fulfill the terms of a loan that was equivalent to loansharking or extortion.
Company Response: Closed with explanation
2017-08-21
Dracut, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-20
Cleveland, OH
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
2017-08-19
San Gabriel, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX, XXXX XXXX and American Home Mortgage file lawsuit in the XXXX XXXX County Superior Court, XXXX XXXX Division, case number XXXX. XXXX XXXX, American Home Mortgage and its crooked lawyer " XXXX XXXX '' committed fraud upon the court, using forged fabricated documents, false payment history, false principal balance and false other false fees and then using other false documents and robo-witnesses to be guaranteed favorable judgment. XXXX XXXX and American Home Mortgage used fraud upon the court to destroy my life, soon after was declared XXXX XXXX. I been hospitalized multiple times having XXXX, XXXX and fear of Ocwen Loan Servicing stealing me home I own free and clear which caused me to be on XXXX which has caused me other troubles. I have always told my XXXX that XXXX XXXX, American Home Mortgage, Ocwen Loan Servicing and all its crooked lawyers committed fraud against me attempting to steal my home I own free and clear, and that all Ocwen 's harm has caused all my serious XXXX troubles. I attached a recent letter signed by my current physician who will be testifying in court to defend me. On XX/XX/XXXX, Ocwen Loan Servicing California attorney " XXXX XXXX '' responded to my CFPB consumer complaint attaching supporting documents. I finally had a chance to review the response, they are just shuffling so much papers in my face to spin its cover-ups. I been having a terrible time locating the person who has the Option One Mortgage {$550000.00} evidence being paid off in full. I am still trying to locate the person with the evidence. On XX/XX/XXXX, and XX/XX/XXXX, I mailed out evidence to Ocwens Loan Servicing requesting investigation and corrections to be made to the so-called phony made up loan account, as of today Ocwen Loan Servicing and its crooked lawyers failed to respond to my many requests. I made several attempts in the past requesting Ocwen Loan Servicing to clean up its mess and investigate and make corrections to its past errors but Ocwen Loan Servicing and its attorney XXXX XXXX refuse to do so, instead all they been doing is threatening me with XXXX fraudulent trustee sale using forged fabricated documents, false principal balance history, false payment history, fraudulent lawyer and court added fees and other fees, and then threatening me that if I did n't agree to sign Ocwen Loan Servicing increased {$750000.00} none negotiable loan modification offer in 48 hours Ocwen Loan Servicing would instruct XXXX to proceed with the fraudulent trustee sale taking place in just days and I would lose my home I own free and clear. I retained lawyer XXXX XXXX to file the lawsuit but instead he scammed me close to {$10000.00}. XXXX XXXX then sent my file to California XXXX XXXX who was in XXXX with XXXX. XXXX XXXX then filed TROs in court. My motion was denied because XXXX XXXX did n't follow the rules of the court and did n't property serve all the defendants. I fired incompetent lawyer XXXX XXXX. I was able to locate just a few of Ocwen Loan Servicing 's errors which I am sure Ocwen 's crooked employees are aware of, but they just cover it up spinning there pin hoping I will just over look the errors so Ocwen employees and its crooked lawyers can continue to harass and abuse me further which increases my health troubles. Error # 1, On, XX/XX/XXXX, I paid Option One Mortgage payment in the amount of {$3100.00}. Ocwen Loan Servicing records attached do n't show payment as ever being posted. Error # 2, On XX/XX/XXXX, I paid Option One Mortgage {$3300.00}, Ocwen Loan Servicing is showing a incorrect mortgage payment in the amount of {$3100.00} being posted to the account on XX/XX/XXXX. Error # 3, On XX/XX/XXXX, I paid Option One Mortgage {$3100.00}. Ocwen Loan Servicing is showing a incorrect payment in the amount of {$3100.00} being posted on XX/XX/XXXX. Also, on my bank statement attached it shows I overpaid Option One Mortgage to much on the payoff so Option One Mortgage refunded me the difference in the amount of {$69000.00}, wired deposit into my account. I went down to XXXX XXXX again on XX/XX/XXXX, at XXXX requesting the Option One Mortgage wire deposit records but the bank representative informed me that XXXX XXXX is only able to pull Washington Mutual bank statements only and that 's it, and they can not pull anything else from XXXX XXXX XXXX . If Ocwen Loan Servicing would just stop harassing me and committing fraud against me and just help me subpoena the wire records I 'm sure it will lead them to the actual payoff which will prove Ocwen Loan Servicing makes many mistakes and harassment many of homeowner and are nothing but scum of the earth fraudulent scums who should all be arrested and thrown in prison. If I am forced to pay on my loan all over again I request that Ocwen Loan Servicing honor the {$660000.00} loan modification offer attached with a monthly mortgage payment of {$2600.00} until I can locate the payoff evidence. I can not afforded the increased loan modification I was coerced into with over {$1000.00} more in mortgage payments to avoid XXXX fraudulent trustee sale taking place in just days. So, why do n't you scums just stop harassing me and threatening me and just send off a reasonable loan modification that I can afforded until I can locate the damn evidence. Stop acting like a bunch of XXXX!
I am requesting Ocwen Loan Servicing to rescind the Notice of Default recorded against my property I own free and clear.
I have attached Bank Records showing mortgage payments.
I have attached " XXXX XXXX '' response to my consumer complaint using Ocwen Loan Servicing forged fabricated documents, false payment history and false principal balance history.
I have attached letter from my doctor who will testify in court.
I have attached state bar and prosecution letters as to XXXX XXXX, XXXX XXXX and XXXX XXXX scamming me several of thousand of dollars to defend me against shady Ocwen Loan Servicing and its crooked lawyers.
I have attached a loan modification that was previously offered to me before Ocwen started threatening me pushing me around then increasing the offer over {$1000.00} more in payments. I can barley afford {$2600.00} payment that was previously offered. I CAN NOT AFFORED YOUR DAMN INCREASED {$380000.00} MONTHLY MORTGAGE THREATS. So, if you want to continue ripping me off, and I 'm forced to pay a mortgage payments all over again then just stop threatening me with increased modifications that I can not afford. SOUND GOOD?
Company Response: Closed with explanation