OCWEN FINANCIAL CORPORATION

2016-07-24

GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: To whom it may Concern : I am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-24

Belvidere, IL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-24

Sandy Hook, CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2016-07-24

GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-24

Jupiter, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

Discovery Bay, CA

Settlement process and costs

Mortgage: Other mortgage

Complaint: Could someone tell me how this works? I have the title ( s ) to my property - XXXX versions, actually- recorded by XXXX XXXX XXXX XXXX XXXX GMAC MORTGAGE XXXX, XXXX XXXX XXXX XXXX COMPANY, an Escrow Provider for Bank XXXX XXXX XXXX. Secondly, I have a " Release of Lien '' Notice from XXXX XXXX, dated XXXX/XXXX/XXXX ; a Satisfaction of Mortgage from XXXX XXXX XXXX, dated XXXX XXXX, XXXX ; a Letter of Mortgage Satisfaction from Ocwen Loan Servicing, Dated XXXX XXXX, XXXX. I have not ratified the Deed ( s ) of Full Reconveyance documents in care of any mortgagee, nor have I transferred the right to ownership ; yet, XXXX managed to persuade a XXXX XXXX XXXX Judge to issue an Unlawful Detainer, without admitting that they " bought '' my home from Ocwen Loans, which had no authority to sell it! I have filed Qualified Written Requests to each, demanding that they provide to me a copy of the Deed of Reconveyance that must be signed over to any party in order to transfer the right of ownership and possession of that property. They have failed to respond. I have asked Ocwen Loans, who sent a letter of Mortgage Satisfaction on a date referenced earlier in this letter, but Ocwen has yet to respond. I have demanded from each of them, a " Release of Lien '', pursuant to California Civil Code section XXXX ( b ) ( XXXX, XXXX XXXX Assembly Bill, and ( Civ.Code XXXX, subd. ( b ) ( 1 ) ( A ) - ( C ). ). Ocwen loans owns all the loans both of GMAC MORTGAGE and Homeq Servicing ; therefore, it is there responsibility to honor and obey California Law : " California Civil Code section XXXX ( b ) ( XXXX ) requires the beneficiary, upon payoff, to " execute and deliver to the trustee the original note, deed of trust, request for a full reconveyance .... '' The trustee then executes and records the full reconveyance within 21 days of receipt of the documents from the beneficiary, delivers a copy of the reconveyance to the beneficiary and, upon request, delivers the original note and deed of trust to the XXXX. ( Civ.Code XXXX, subd. XXXX b ) ( XXXX ) ( A ) - ( C ). ). While the Deeds have been delivered, and XXXX of the Lien Release Notices have been provided by XXXX XXXX, the others have failed to comply ; Further, mortgage income is required to be reported to the Internal Revenue Service and the XXXX XXXX XXXX ; but, not XXXX of these companies has abided by Instructions for form XXXX, nor have they filed forms XXXX, XXXX, or XXXX as required. and, each deed of full reconveyance means that my loan ( s ) in XXXX, XXXX, XXXX and XXXX all have been paid and the account ( s ) closed. So what gives? Why does the government, specifically XXXX and the CPFB wallow in do-nothing-ism and allow this to continue? Why do these mish mashes of so-called " lenders and servicers '' get away with this. Why do n't I have Release ( s ) of Lien Documents ; and finally, why do n't I have in my possession, XXXX copies of the " Title XXXX '', as provided by Federal and State Law. Each of these companies have been mailed all the documents I have mentioned? So why wo n't your agency ( s ) assert themselves. I anxiously await a response. I have no loan with any of the above. They are fully paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

Superstition Mtn, AZ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Ocwen has stated on my creit report that I was 30 days late twice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-22

Algiers, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Pasadena, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Los Angeles, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-22

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: victim of a predatory loan, have been trying to work w/the loan servicing company and they have been unable to help resolve the situation. Ocwen stated they are only the servicing company and the owner of the loan does not participate in any of the Home Affordable Modification programs, XXXX/XXXX/2016 conservation w/relationship manager was still delay in processing deed in lieu of next appoint is XXXX/XXXX/2016, but if we make a payment of {$7800.00} by XXXX/XXXX/2016 they can call us with the deed in lieu status by XXXX/XXXX/2016. We have been told that at this time the deed in lieu has not be approved by XXXX XXXX and they are pending the Titling information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Pasadena, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I advised Ocwen that I received a loan modification approval with my XXXX lien holder. I called them for three days straight and they said I had to come up with the total due to reinstate loan, I expressed that I wished to modify as my first did and they said that it was too late that they had to have a package in 7 days prior to sale date. I found out that was untrue and that XXXX and XXXX are exempt from that rule. Had I been told the truth, I would have done everything I could to get a packet to them. The kept putting me on hold, saying they would try to escalate file and yet they did not and lied to me. I want the oppurtunity to stay in my home and continue with my modification trial months with my first and work out a modification with my XXXX yet the sold my property.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Long Beach, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: A false accusation against XXXX has been made by OCWEN in response to Case number : XXXX XXXX XXXX, Ombudsman at OCWEN verbally told me over the phone that the problem I reported in Case number : XXXX was caused by XXXX. I am filing a separate complaint because this is a separate, serious allegation. I called XXXX XXXX, Executive Disputes Dept of XXXX at XXXX and point blank asked her if XXXX did the things OCWEN claimed they did. XXXX XXXX said that the incorrect information that appeared on my credit reports generated from OCWEN, not XXXX. She stated that XXXX did not cause all the other credit bureaus to report the false information which harmed by credit score. XXXX XXXX said that the only time XXXX reports to other credit bureaus is in matters of reporting FRAUD. OCWEN has repeatedly ruined my credit score in 2016 and has never taken responsibility, thus I believe they will continue to damage me financially since they are still not taking responsibility for this latest incident. I have received a letter from OCWEN that insinuates I am stupid for reporting this matter to the CFPB again. OCWEN maintains they have already responded to the CFPB about this issue. The fact that they are still committing the offense does not seem to trouble OCWEN. It is like someone received a traffic ticket for running a red light and is upset and calling the police officer XXXX for giving them a XXXX, XXXX and XXXX ticket for running the red light again and again. .It 's as if to say : " Officer, you already gave me a ticket '', as if XXXX ticket gives them the right to continue to commit the offense with impunity. Ocwen seems to be telling me that they have immunity and can repeat the offense as many times as they want now since the subject has already been addressed. OCWEN has also told me on many occasions that my loan will be pulled from all the credit bureaus any time I report them to the Attorney General and the CFPB for removing my loans from the credit bureaus. This is cyclic thinking and it is not logical. XXXX XXXX at XXXX XXXX XXXX can also verify that TransUntion did not alter my credit report because of a transmission from XXXX. Ocwen is trying to convince me that XXXX caused the financial harm my family is suffering now and all of 2016 since Ocwen began attacking my home loan which was in excellent standing. OCWEN also told the CFPB and the Attorney General that I had failed to get the Keep Your Home California recast document notarized and neglected to mention that after OCWEN took the KYHC {$76000.00} money and posted it to the loan in XX/XX/XXXX, they did n't send me the document that needed to be notarized because they REMOVED MY NAME FROM THE LOAN. Many months late, they sent me the form after putting my name back on the loan but neglected to include an address and a return envelope. OCWEN has exhibited a pattern of blaming others for damaging events that they caused.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-22

GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Bridgeport, CT

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Ocwen Mortgage is trying to collect {$1800.00} in Escrow Debts instead of {$1700.00}, and {$100.00} in overcharge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Newburyport, MA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed

Disputed: No Timely Response

2016-07-21

Lawncrest, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-21

Burnsville, MN

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Lithonia, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-21

Omaha, NE

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Fountain Valley, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response